Personal & Business loans up to $500,000 with competitive rates and transparent terms. Same-day funding for qualified borrowers.
Flexible financing solutions built for real Americans
$1,000 – $100,000
Starting at 5.99% APR
$10,000 – $500,000
Starting at 6.99% APR
Up to $75,000
Even with lower credit scores
Takes less than 5 minutes. Secure & confidential.
Soft credit pull. No impact on your score.
Same day or next business day deposit.
Founded in 2012 in Austin, Texas, Roy Smith Loans is a licensed and certified direct lender committed to providing transparent, responsible, and fast financing solutions to individuals and businesses across the United States.
We believe everyone deserves access to fair financial opportunities. That's why we focus on fast approvals, competitive rates, and exceptional customer service — not just transactions.
NMLS #9876543 • Compliant in all 50 states
24/7 US-based customer support
No hidden fees. No prepayment penalties.
No. We offer loans for all credit types. Applicants with excellent credit receive the best rates, while we still have competitive options for fair and bad credit.
Most approved borrowers receive their funds the same business day or the next business day via direct deposit.
No. You can pay off your loan at any time with zero prepayment penalties.
Yes. We use 256-bit SSL encryption and comply with all major data protection regulations.
Typically just government-issued ID, proof of income, and bank account information.
Check your rate in under 2 minutes with no credit impact