OUR TECHNOLOGY'S SO GOOD IT’S PATENTED
The fastest way
to add points and
get approved
Maximize your credit score and safeguard your privacy may help you to save money on loans1
$2.9 Billion in Interest Saved by 300,000+ Members
(~$8,800 saved per member)2
CREDIT SCORES & LOANS CAN BE STRESSFUL
We Make it
Easy with the
Right Tools and Loans
Add Points
Build & Boost™ Your Score
Achieve your future score using action buttons and tools3
Get the Loan
Apply with Your Best Score
Use our myLONA™ to find the loan or financing of your choice
Save Money
Live Confidently
Enjoy the savings of a better loan and maintain your best score
Plus, Get Privacy & Fraud Tools to Protect Your Credit Score
Plus, Get Privacy & Fraud Tools to Protect Your Credit Score
Report Suspicious Spending
Track your spending habits, get alerted and report any suspicious transactions.
Protect Your Household
Safeguard your family’s financial future against identity theft with our $1MM Fraud Insurance.
Stop 3rd Parties Selling Your Info
Reveal websites exposing your private info and request removal directly.
What Our Members Say
Watch Member TestimonialSylvia C.
SmartCredit member since 2020
+14 Points in 10 Days
"My score went up 14 points within less than 2 weeks! Happy to also have monitoring and identity theft insurance in case someone tries to do fraud again on my credit. Highly recommended."
Kayla L.
SmartCredit member since 2021
+112 Points
"I started at 485 and am now at 701! Preparing for the house purchase, establishing myself, and being able to get any line of credit I desire."
Troy G.
SmartCredit member since 2018
+198 Points
"In 2 years - a 200 point increase. I took my first vacation in 15 years. My recent 21-point increase allowed me to get a Southwest rewards card for $7k that I was denied for a year prior."
Terry F.
SmartCredit member since 2020
+171 Points
"My life has changed drastically, and my confidence level has gone up tremendously! I can walk into any dealership with confidence knowing that I'll walk away with a car."
Artis J.
SmartCredit member since 2021
+100 Points
"My experience has been amazing so far! My credit has jumped more than 100+ since joining. It provides an actionable process and so many different systems to take charge of your credit score."
A M.
SmartCredit member since 2021
+112 Points
"It told me what card to pay, when to pay it and also WHEN I could expect my score increase! I would highly recommend this to anyone it's very user friendly and very affordable."
Sylvia C.
SmartCredit member since 2020
+14 Points in 10 Days
"My score went up 14 points within less than 2 weeks! Happy to also have monitoring and identity theft insurance in case someone tries to do fraud again on my credit. Highly recommended."
Kayla L.
SmartCredit member since 2021
+112 Points
"I started at 485 and am now at 701! Preparing for the house purchase, establishing myself, and being able to get any line of credit I desire."
Troy G.
SmartCredit member since 2018
+198 Points
"In 2 years - a 200 point increase. I took my first vacation in 15 years. My recent 21-point increase allowed me to get a Southwest rewards card for $7k that I was denied for a year prior."
Terry F.
SmartCredit member since 2020
+171 Points
"My life has changed drastically, and my confidence level has gone up tremendously! I can walk into any dealership with confidence knowing that I'll walk away with a car."
Artis J.
SmartCredit member since 2021
+100 Points
"My experience has been amazing so far! My credit has jumped more than 100+ since joining. It provides an actionable process and so many different systems to take charge of your credit score."
A M.
SmartCredit member since 2021
+112 Points
"It told me what card to pay, when to pay it and also WHEN I could expect my score increase! I would highly recommend this to anyone it's very user friendly and very affordable."
Sylvia C.
SmartCredit member since 2020
+14 Points in 10 Days
"My score went up 14 points within less than 2 weeks! Happy to also have monitoring and identity theft insurance in case someone tries to do fraud again on my credit. Highly recommended."
Kayla L.
SmartCredit member since 2021
+112 Points
"I started at 485 and am now at 701! Preparing for the house purchase, establishing myself, and being able to get any line of credit I desire."
Troy G.
SmartCredit member since 2018
+198 Points
"In 2 years - a 200 point increase. I took my first vacation in 15 years. My recent 21-point increase allowed me to get a Southwest rewards card for $7k that I was denied for a year prior."
Terry F.
SmartCredit member since 2020
+171 Points
"My life has changed drastically, and my confidence level has gone up tremendously! I can walk into any dealership with confidence knowing that I'll walk away with a car."
Artis J.
SmartCredit member since 2021
+100 Points
"My experience has been amazing so far! My credit has jumped more than 100+ since joining. It provides an actionable process and so many different systems to take charge of your credit score."
A M.
SmartCredit member since 2021
+112 Points
"It told me what card to pay, when to pay it and also WHEN I could expect my score increase! I would highly recommend this to anyone it's very user friendly and very affordable."
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