Recently got our personal loan approved all thanks to Loansmart who tried everything to help my family tidy up our debts.”

- Peti
We Make It Easy
Rates From 9.95%*
We Say Yes More Often

Smarter Loans >>> Faster

How To Apply For A Personal Loan

Want to know how to apply for a personal loan? We’ve summarised the loan application process in 7 easy steps.  It’s fast and easy to apply for a personal loan with Loansmart. No complicated forms, trips to the bank or the need to scan and upload bank statements. You could have funds in your account today or tomorrow. Learn the loan process so you know what to expect.  

How quickly can I get a loan?

1. Apply online in just a couple of minutes.

2. Provide us with a photo ID & recent bank statements. This is done online quickly, easily & securely.

3. We’ll call to introduce ourselves and discuss your needs.
4. We assess your application and find the best options for you.

5. 1-2 hours later* we present our options and you tell us which one you prefer.

6. Loan documents are sent through for you to be signed online.

7. Funds can be deposited into your account on the same day.

*Subject to responsible lending checks & lending criteria

Helpful, professional and fast - we jump through hoops so you don’t have to!

You’ll be assigned a Personal Loan Consultant who will help you through the process,
so there are no delays getting the funds to you.

Smarter Loans >>> Faster

But we don’t stop there

Your Personal Loan Consultant is with you for the duration of your application. If you have any questions, or your circumstances change, give them a call. Having a Personal Loan Consultant means you don’t need to explain your situation every time you get in touch with us. This way we can provide a faster, more responsive service.

To provide the very best Loan experience we


Move fast

Most loans can be approved and paid the same day*, so long as we have everything we need from you before 3pm.
*Subject to responsible lending checks and lending criteria.

Make it easy

No need to scan and sign, fill in and upload lengthy documents. All we need is Photo ID and recent bank statements (we make that super easy and secure too!).

Make it enjoyable

We keep you updated every step of the way, so you always know where you’re at with your application.

Make it affordable

We work hard to find you the best deal we can. After all, we know what a difference those extra savings can mean.

Get a fairer deal, faster from a professional team that wants to help you

Need More reasons to choose us?

Once you’ve applied for a loan with Loansmart, you can sit back and let us take care of the process for you. Our professional team will keep you in the loop so you know exactly where you’re at with your application.

We work fast, so you get your loan approved faster. Once your loan is approved, and final steps completed, you can receive payment that day or overnight*!

*Subject to responsible lending checks.

Taking out a loan is a big step. Our team genuinely cares and works hard to get your loan approved while also taking the time to find better options for you.

Providing smarter loan solutions is what we do best.

Read our 5 Star reviews to learn about the extra effort we put in for each and everyone of our clients.

There are two types of lenders – ‘High Cost’ and ‘Low Cost’. By definition anyone who charges more than 50% is a high cost lender. All our loan providers are low cost lenders with interest rates between 9.95% to 35.50%. The interest you pay depends on the amount borrowed, your personal circumstances and credit history.

Get A Free Loan Assessment

Loansmart is highly reputable in the personal lending industry and has been providing services since 2008. Our experienced lending specialists work hard to get you the best deal.

Benefit from fairer terms, fees, interest rates and a team that cares.

Why Loansmart


We Say Yes More Often

Applied elsewhere but been declined? Loansmart provides more options than other lenders. With more options, you have more chances of getting your personal loan approved.

More Options Tailored For You

Pay down debt faster and more affordably with lower fees and interest rates. Don’t pay more than you need to and get more options.

Interest Rates From 9.95%*

Our competitive personal loan rates range from 9.95% - 35.50%.
*Subject to credit criteria and the credit profile of the applicant.

Longer Repayment Options

With loan terms from 6 months to 84 months, tailored to your needs.

Faster Approval Process

By providing us with your photo ID and recent bank statements online, your personal loan application could be approved in just 1 - 2 hours.
*Subject to responsible lending checks and lending criteria.

Same Day Payment*

*If you complete the online contract and any additional steps before the end of the day, then funds can be paid to your account. Depending on your bank, you may receive the funds that day or the next morning.

100% Easy, Online Process

No need to print, scan or upload statements. We simply send you a secure link that authorises us to view your statements online.

Borrow up to $75,000 Unsecured or more with a Secured Loan

The amount you can borrow and whether or not security is required is subject to standard lending criteria. We can use property (Caveat) or motor vehicles as security on a loan to increase the loan size, rates and terms.
Get the complete package from a team that genuinely cares, and works hard to provide better loan options for you. Get Loansmart!

*Subject to responsible lending checks.