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Tech when you want it, people when you need it

Nationwide Smart CreditSM

We put you in control to work in the ways you want

Our securities-backed lending solution, Nationwide Smart CreditSM, gives you an online, self-service experience when you want it and dedicated, hands-on support when you need it. By doing this, we make securities-backed lending easier for you and your client, giving you both more choice and control.

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User-friendly technology and helpful resources when you want self-service online

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Hands-on support from a person when you want or need help

Nationwide Smart Credit also offers:

Fast access to cash — There’s no lengthy paperwork process and our streamlined, digital platform helps your clients access cash in hours or days, not weeks. 

All-digital experience for ease of use — Our all-digital process enables self-service capabilities for you and your clients.  From initial application to life-of-line servicing, our innovative, cloud-based portal provides you, your firm and clients full transparency to an integrated, paperless experience that’s secure and reliable.

More choice than other providers — With the introduction of our fixed interest rate feature, in addition to our variable rate option, you can offer even more stability and choice for your clients’ financial needs. And because we offer lines from $26k to $60 million, we can help you serve more of your clients.

Flexible, non-purpose loans — Other than purchasing additional securities, Nationwide Smart Credit lines of credit can be used for whatever your client wishes. Common uses include everything from college-related expenses and home renovations to real estate and debt consolidation.
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Discover the benefits of liquidity without liquidation

Use our Capital Cost Comparison calculator to compare the cost and efficiency of funding your clients’ unique scenarios using up to 3 sources: a securities-backed line of credit, a home equity line of credit (HELOC) and the proceeds from liquidating investments in the market.

Use the calculator
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Visit our Nationwide Smart Credit home page to learn more.
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Representatives do not give legal or tax advice. An attorney or tax advisor should be consulted for answers to specific questions.

The purpose of a Nationwide Smart Credit line of credit must be for personal, family or household purposes and not for securities investments or to purchase or carry margin securities, which include: (1) stocks that are registered on a national securities exchange, or any over-the-counter security designated for trading in the national market system; (2) debt securities (bonds) that are convertible into margin stock; and (3) shares of most mutual funds.

California: Loans made or arranged pursuant to a California Lenders Law License. Delaware: Nationwide SBL is licensed by the Delaware State Bank CCL commissioner to engage in business in this State under license number 035414, expires 12/31/2025. Maryland: License Number 1804109. Missouri: Consumer Credit Loan Company registered by the Missouri Division of Finance, license number 367-25-8932. Oregon: License number 1804109. Rhode Island: Rhode Island Licensed Lender. Washington: License number CL-1804109. Click here for state license information and rate and fee disclosures.

Not available in Mississippi, Nevada, and Vermont.

Nationwide, the Nationwide N and Eagle, Nationwide Smart Credit and Nationwide is On Your Side are service marks of Nationwide Mutual Insurance Company.
Nationwide SBL, LLC dba Nationwide Smart Credit (NMLS): 1804109 NMLS Consumer Access: https://www.nmlsconsumeraccess.org/
NFW-11097AO.3