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Frequently Asked Questions

What is GetSmart?
We are a leading online financial marketplace, focused on serving smart consumers who are in a hurry. GetSmart provides a convenient, simple, secure way to save money -fast.


What makes GetSmart unique?
In a nutshell: it takes a mere two minutes to fill out our loan request form, we don't require your social security number, we don't require a credit pull, and if you want help, you can call us at 1-800-GETSMART for fast and personal service from a real live person.


Why should I use GetSmart?
GetSmart is the stress-free way to get a great deal on a loan. We bring our lending expertise to your application process, to our technology, to your needs assessment, and to our online tools to ensure you get great rates with no hassle.


How does it work?
Fill out one simple form and we'll have up to four lenders contact you. Based on the information you submit in our form (loan amount, property state, estimated credit grade, etc.) we match you with lenders that are looking for customers just like you. We show you the lenders that best match your needs and then the lenders call you to discuss their loan products in more detail to ensure you get the best loan, fast.


Do I pay a fee to use this service?
No, GetSmart does not charge a fee for matching you with the lenders on our network. The lenders pay us a fee for referring you, but that fee is never passed on.


What is the GetSmart lender network?
GetSmart works with a network of more than 200 lenders-large and small lenders that provide both national and local coverage. We spend a lot of time recruiting and managing our lender network so we have the best partners to meet your needs.


What if I don't get matched with any lenders?
If we are not able to match you based on the information you submitted, we encourage you to resubmit at a later date. We are constantly adding new lenders to our network in an effort to offer a solution for every borrower.


Am I obligated to work with the lenders I am matched with?
No, you are under no obligation to close your loan with any of the lenders we match you with. But we think you'll get a great deal (and fast) so we hope you will.


What does GetSmart do with my personal information?
GetSmart only passes your information along to the lenders with which you have been matched. GetSmart will never sell your information or pass your information along to any third parties. Please see our Privacy Policy and Terms Use for additional information.


Is the GetSmart Web site secure? Yes, the security of your information is our number one priority. We use Secure Socket Layer (SSL) encryption technology to transmit confidential information between your browser and our Web server, and we participate in the GeoTrust program which certifies all of our secure servers.


How many lenders will receive my information?
Up to four.


Why do you collect my email address?
GetSmart collects your email address in order to identify you when you visit our site. We will never share or sell your email address to a third party and we will never send you any unsolicited emails or SPAM.


Does GetSmart or any of its lenders actually pull my credit?
GetSmart doesn't require your social security number nor do we require a credit pull. The lenders you are matched with will only pull your credit after you have provided them with your social security number and given them permission to do so.


How can I contact GetSmart?
Call us toll free at 1-800-GETSMART or through Contact Us.


Where is GetSmart located?
We're in Charlotte, North Carolina, the second largest banking and financial center in the country, behind only New York City. Charlotte is the headquarters for Bank of America and Wells Fargo, two of top 5 banks in the country, not to mention our parent company, LendingTree, LLC, and dozens of regional banks and financial institutions. Our town is full of banking expertise - we know lending!


Who runs GetSmart?
Our management team came from LendingTree and is full of experience - we know lending and we know how to get you the best rates, best service, and the best monthly payments to ultimately save you money. Read more about us here.


What is the relationship between GetSmart and LendingTree?
GetSmart is owned and operated by LendingTree, LLC, which is part of IAC Financial Services and Real Estate, an operating business of IAC/InterActiveCorp (NASDAQ: IACI).

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