Terms and conditions apply. All loans are subject to status, affordability and credit checks prior to approval. Applicants must be 18 or over. †Loan Amounts and APR Tiers are based on a consumer's credit history and ability to repay in accordance with Loan4smile affordability policy. Provisional loan decisions are subject to verification checks which may take up to two business days in most cases. Loan4smile performs traditional credit checks and verifies applicant information both via various national databases and manual review.