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BBB Business Review

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BBB Accredited Business since


Phone: (888) 296-4290 Fax: (512) 402-9406 View Additional Phone Numbers 9601 Amberglen Blvd Suite #140 , Austin, TX 78729

BBB Business Reviews may not be reproduced for sales or promotional purposes.


This company provides services in biweekly loan payment accelerators for the auto industry. They assist customers in the acceleration of their loan payoff through biweekly half payment debits.  The half debits, which occur every two weeks, allow customers to make an extra principal payment each year starting usually in the second year of the loan.  

BBB Accreditation

A BBB Accredited Business since

BBB has determined that Smartnote meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Customer Complaints Summary Read complaint details

13 complaints closed with BBB in last 3 years | 4 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 1
Billing/Collection Issues 7
Delivery Issues 1
Guarantee/Warranty Issues 0
Problems with Product/Service 4
Total Closed Complaints 13

Customer Reviews Summary Read customer reviews

6 Customer Reviews on Smartnote
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 6
Total Customer Reviews 6

Additional Information

BBB file opened: October 17, 2003 Business started: 08/01/2000 in TX Business started locally: 08/01/2000 Business incorporated 02/11/2003 in TX
Type of Entity

Limited Liability Partnership (LLP)

Business Management
Ms. Kimberly Saul, Office Manager Mrs. Samantha Mullin, Compliance Manager Ms. Holly Radosta, CS Mgr
Contact Information
Customer Contact: Mrs. Samantha Mullin, Compliance Manager
Principal: Ms. Kimberly Saul, Office Manager
Business Category

Loan Servicing

Products & Services

Smartnote offers the following product(s): SmartNote

Method(s) of Payment
Alternate Business Names
The Smart Group, L.P.

Customer Review Rating plus BBB Rating Summary

Smartnote has received 3.68 out of 5 stars based on 6 Customer Reviews and a BBB Rating of A+.

BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.