The feeling you get when every one of your bills is paid. It's what we do.

Borrow between $200-$2,500  

All credit scores welcomed  

Perfect ending to the day  

Discover the power of Bill Smasher!

Awesome lenders, dedicated to helping you with your bills.


Whether you’re a first-time customer, or coming to us with previous funding experiences, we’re confident you’ll be satisfied with our lending process. At Bill Smasher we believe in transparency. No bait and switch tactics, just hassle-free funding with real customer support.

The process is simple. When you need quick funding, simply fill out one short form on and tap into our extensive lender network. Loan options typically range from $100 to $5,000 but can vary depending on the lender program and your state laws.

Lenders typically respond within the same day, and many times within minutes of your submission. If you are approved for funding, you will be redirected to that lender’s website where you should review the terms of the loan, rates and fees. If you find the terms agreeable, you will sign the loan agreement and the lender will deposit money to your bank account. The entire process can be completed by the next business day.

Bill Smasher helps connect borrowers with lenders who are ready and able to provide short-term funding. We cannot answer any questions about the status of your application or your loan terms. Your lender will have the answers you are looking for, so don’t hesitate to contact them directly.

3-Minute Loan Request

Our personal loan form takes about 5 minutes to complete.
Our form goes the extra mile to learn about your circumstances and personal preferences so we can do our best to find you an offer that your beats expectations. That just our commitment to providing good service.

Verify Eligibility Risk FREE

Just because we help connect you with personalized finance options that may interest you, doesn’t mean you need to accept the first offer you receive. In some cases, final offers can be determined only after employment & income verification, rules vary lender. Applying is 100% free, just remember – borrowing isn’t.

Credit Deposited ASAP

If approved, borrowers typically can expect funds deposited into their account within 24 hours. In some cases, some lenders may offer same day wire transfer for a small fee.The approval process, funding time and disbursement of funds will vary by lender.

Qualifying Factors

Not sure what it takes to qualify for a small loan? Most lenders in our network share similar approval requirements including:

  • Customers must have a steady source of income. This can come from employment and benefits like social security as well.
  • You must be a US citizen or permanent resident to work with our lenders.
  • Only adults can qualify, so you must be 19 years or older.
  • Minimum income requirements start at $1,000 per month after tax has been deducted.
  • Your lender will need somewhere to send the funds, so you must have a checking account in your name.
  • You must have a working phone number for your home and your work, so that your lender can reach you and to possibly confirm items listed in your request.
  • All loan requests must include a valid email address for the same reason listed above.

Funding for You

Expedited Decisions | All Credit Scores Welcome | Receive Cash Quickly

Why Choose Us

You want honesty. You want transparency. You want a real loan and someone to answer your questions.

Those are just some of the reasons why borrowers pursue funding through Bill Smasher. 

If you’re tired of loan sites giving you the runaround, it’s time you used for your funding needs. Here are just a few more reasons to choose us when searching for quick funding.


Reduce the time and effort it takes to get funded. Visit, complete a short web form, and receive a decision in under ten minutes. Review the terms of your loan, sign if agreeable, and receive cash in your account in as soon as the next business day. It couldn’t be simpler to get the cash you need as soon as you need it. Start your request today to connect with a lender right for you.


While many lending sites claim to connect you with a lender, many of them are infected by viruses or malware that can tap into your network and steal your sensitive information. Be weary of any unsecured site that asks for you to submit personal information. At Bill Smasher, we prioritize protecting your privacy. Our site is HTTPS and secured with encryption technology.


We don’t claim to be something we’re not. Bill Smasher is not a direct lender. Think of us as your lender concierge, giving you access to an exclusive network of lenders ready and able to provide you with the funding you need. Work with lenders you can trust. Let us help you get connected with the right lender today.

Rates & Fees

There are no fees to work with Bill Smasher. We’ll never charge you to use our site or for connecting you with the right lender. Any rates and fees you are charged are established by your lender. As a lender connecting service, we do not provide direct lending services. We submit your information to certified lenders in our network who can provide you with funding.


There are no fees to work with BillSmasher. We’ll never charge you to use our site or for connecting you with the right lender. Any rates and fees you are charged are established by your lender. As a lender connecting service, we do not provide direct lending services. We submit your information to certified lenders in our network who can provide you with funding.

Get a Full Disclosure of Terms

It’s important to have and review a full disclosure of loan terms. That’s why the Truth in Lending Act made it a requirement. Your lender must disclose all fees and rates to you prior to you accepting a loan. If you sign a loan contract, you will be held to the loan terms including the rates and fees established in the agreement. It’s imperative that you read your loan agreement thoroughly before you sign.

Late Payment Policy

Bill Smasher does not set late payment policies. Different lenders have varying policies. You will find your lender’s late payment policy in your loan agreement. Review this section before signing your loan agreement. All lenders must abide by applicable laws, rules and regulations pertaining to late payment fees. You can always review your state’s laws and regulations governing late payments prior to signing your agreement. 

Non-Payment Policy

If you are unable to repay your loan for any reason, you may be charged additional fees. We work with certified lenders who are dedicated to lawful, fair and reasonable collection measures for overdue accounts. Review the legal repercussions of non-payment applicable to citizens of your state before confirming your loan offer.

Loan Renewal Policy

If you are having difficulty repaying your loan by your due date, some lenders may be able to provide you with an extension or renewal of your loan. However, loan renewal policies are governed by the state you live. Some states prohibit rolling over loans, since this can lead to additional interest and late fees that can substantially increase your final loan amount. Review your state and your lenders renewal or extension policy to determine if the loan is right for you.

Why Use Us for Lender CONNECTING

Many people don’t have access to credit or traditional funding but need cash fast. Bill Smasher provides borrowers with the funding they need when they need it through honest and transparent processes. We work with honorable lenders, who disclose rates and fees and don’t give customers the runaround. They abide by fair lending practices and applicable laws. We make the process as quick and convenient for borrowers as possible, while protecting your security and connecting you with the right lender for your needs.

About Us

You won’t find another lending service quite like ours. For years, we’ve provided an exceptional service that connects borrowers to trusted short-term loan lenders and aggregators across the nation. We’re dedicated to helping consumers in need, by providing a way to access funding when they need it most.

Not everyone has access to credit or a built-up savings for emergencies. We understand that life happens, and it happens to everyone. When you need a small loan, we’re here for you.

Bill Smasher is your key to unlock a network of lenders who specialize in providing the type of funding you need. Our connecting service is completely free to use. We are not a direct lender.

Your loan agreement and repayment terms are established by your lender. Once you receive a funding offer, we direct you to your lender who will take over your request for funding. Bill Smasher is not involved in approving your loan, setting your rates, establishing repayment schedules, etc.

If you receive an offer for funning, you will have time to review the details and either approve or reject the offer. Your lender may contact you to confirm your personal information and finalize your loan, so have access to your phone and/or email.

For additional information on the status of your request or your loan, please contact your lender directly.

Get the funding you need with the help of Bill Smasher, your trusted partner for access to small loans.

We get this all the time.

There’s no such thing as a stupid question.

What is Bill Smasher?

Bill Smasher is a lender referral service, it does not issue loans or make credit decisions. If we are able to pair you with a lender, you will be shown the terms, rates, annual percentage rate (APR) and fees associated with any loan you may be offered by that lender when we connect you with it. The credit products offered by our participating lenders are expensive forms of credit that should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.

What kind of loans are available?

The types of credit that may be available will be determined by the lender. Bill Smasher will share your information with our network of participating lenders and advertisers. Not all who apply for credit will be chosen by a lender or approved for credit. If you are chosen, the lender may ask you to complete a brief loan form and may run a credit check using a specialized credit bureau. If you are not chosen by a lender, we may offer you opportunities to submit your information to other networks. Please review the terms of their privacy policies before you share your information.

What are the fees for a loan?

Bill Smasher does not charge a fee to use this website. We collect your information and share it in our network in accordance with our Privacy Policy. If you are chosen by a lender and are offered credit, the annual percentage rate (APR), fees and charges will be disclosed by the lender when you are chosen, and may vary depending on the lender and type of credit offered. If you are chosen by a lender, you should review the terms of the offer carefully.

How much will a loan cost?

If you are chosen by a lender, you will be shown the terms, rates, annual percentage rate (APR) and fees associated with any loan you may be offered by that lender when we connect you with them. Please review this information carefully and make sure that you understand how much money you will receive and how much you are required to pay back. Remember, you are never under any obligation to agree to a loan – never sign a loan agreement unless you fully understand and agree with all terms and provisions.

Will my personal information be safe?

All of your information is encrypted to ensure your privacy and security. The website utilizes a 128-bit SSL certificate for all input items. This means your information is secure and private. All the information you submit is sent through a secure server, and we keep your information in a secure database. You can find more information about how we protect, store and use your information by reading our Privacy Policy.

What is required to get a loan?

The lenders who participate in our referral service will have their own criteria to determine whether an applicant is eligible for a loan. Typically, however, you must be at least 18 years old, employed or have regular income, and satisfy the lender’s underwriting requirements.

How do I apply for a loan?

All you have to do is complete our online form. We will use the information you share to try and connect you with a lender. If we are able to connect you with a lender you will be directed to the lenders site where you will be able to review the loan terms being offered to you prior to making a decision.

How much can I apply for?

We provide customers the option to request $200 to $2500 for any reason. Loan amounts will vary by lender. Not all customers who submit a loan form will be connected with a lender or approved for a loan.

If approved how do I receive my cash?

Each lender will have their own methods for disbursing money to an approved customer. However, the most common method for receiving funds would be through electronic deposit into an approved customers bank account.

How long Does the Process take?

One you have completed your loan form it can take as little as a few seconds to 5 minutes to be connected with a lender if you are approved. Not all customers who apply for a loan will be approved.

How long does it take to receive my cash?

If you are chosen by a lender and are approved for credit, you will be offered credit on terms set by that lender. Typically, if you agreed to the credit terms and choose electronic deposit, you could have cash in your account as soon as the next business day.

Can I get an extension on my loan?

The lenders who participate in our referral service may have different policies regarding payment extensions under a loan. Please contact your lender and ask to speak with a customer service agent.

What happens if I am late with a payment?

Nonpayment or late payments may result in additional fees or collection activities, or both. If you have questions on your payment options, be sure to contact your lender directly.

Do I need to go through a credit check?

Some lenders do not require a credit check and will use the information you provide in our form. Other lenders may run a credit check.

Can I still qualify if I have bad credit?

Yes. All credit types are considered in the approval process.

I do not have a bank account, can I still get a cash loan?

Some lenders may still approve you, but you may be required to provide additional information.

How and when do I repay my loan?

Each lender will have its own loan repayment terms so you should carefully read the terms of the offer you receive before you agree to a loan.

What if I have additional questions?

We are here to help answer any questions. Please email us at and we will respond in a timely manner.