Building Your Financial Future

We are dedicated to providing you with the opportunity to build or rebuild credit towards future financial success regardless of your situation.

Credit and Your Credit Score - A Resource Guide
Payment solutions that make it easier for you to pay on time.


Pay with cash at a nearby 7-Eleven, CVS or ACE Cash Express store. You can make cash payment at over 9,000 locations nationwide – most open 24 hours a day, 7 days a week. To make a payment with PayNearMe follow these three easy steps: Click the ‘Get Your PayCode’ button to get your Payment Code printed or texted to your phone. Take your ‘Payment Code’ and cash to a nearby location show it to the cashier. Keep your receipt for proof of payment.
Please note that PayNearMe may charge a service fee for this transaction.

See LocationsGet Paycode


To make your payment with MoneyGram you must take your payment and the payment fee in cash to a MoneyGram agent near you.You will need to provide your Receive Code 6407 and your Account Number.
Please note that MoneyGram charges a service fee for this transaction.

See Locations

Western Union Quick Collect

To make your payment with Western Union Quick Collect you must take your payment and the payment fee in cash to a Western Union Quick Collect agent near you.You will need to provide your City Code CF Payment and your Account Number.You can call Western Union Quick Collect toll-free at 1-800-325-6000 for assistance.
Please note that Western Union Quick Collect charges a service fee for this transaction.

Agent Locator

Pay Online

Make a payment anytime with a Bank Account, Visa, Mastercard, American Express or Discover Card.  
Third party processing fees may apply.

Pay Now

Paying over the phone

Call (714) 919-8180.  Your friendly Agent is available from 8:30 am to 5:30 pm Monday through Friday to take your payment or you can choose to make an automated payment by phone 24 hours a day by choosing option 2.
Third party processing fees may apply.

Call to Pay

Paying with a check in the mail

Send Check or Money Order to:

Lend Smart
1855 West Katella Avenue #325
Orange, Ca 92867

Do Not Send Cash. Please send your payment with sufficient time to arrive before your due date.
Please include your account number on your check.

Dedicated to Customer Advocacy

Paying Ontime

Paying your loan on time with LendSmart is the key to financial future. We report your payments to Experian and the successful completion of your loan will improve your credit score and credit history.

Keep in touch when things go wrong

Life Happens and we know that. Whether you lose your job, your car breaks down or whatever life has to throw at you we are here to help. Stay in touch with us so we can provide you the assistance necessary to get you back on track.

We are here for you

Customer Support


Insurance Support

714-919-8180 ext 924
Do you have a question? - Take a look at our customer FAQ
Make your life easier with automatic payments
Enroll in recurring payments from your bank account by logging into your account.  Or you complete and forward our Authorization Agreement for Automatic Payments form.
Enroll Online