Frequently Asked Questions
Last updated: 2026-08-04
Is this available in my state?
Not everywhere. Our Lending Policy page lists current availability, worth a quick check before you start.
How much can I ask for?
Requests can be submitted for $200 to $5000. What you're actually offered depends on the specifics of your request.
What if I've been turned down before?
Possibly still worth asking. Criteria vary across our network, and some do work with limited or imperfect credit, there’s no guarantee, but asking costs nothing.
Will this affect my credit?
Not from submitting alone. If whoever you're connected with runs a credit check, that's their process, see Credit Authorization for specifics.
Does asking cost anything?
No. Submitting a request through SmartEcomCover is free, and there's no obligation to accept anything you're offered.