Recently got our home loan approved all thanks to Loansmart who tried everything to help my family achieve our dream home.”

- Peti
We Make It Easy
Rates From 8.95%*
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 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 cash in your account today or tomorrow. Learn the loan process so you know what to expect.  

Smarter Loans >>> Faster

How quickly can I get a loan?

1. Apply online in just a couple of minutes.

2. Provide us with a photo ID & online access to your bank statements. This is done 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. One – two hours later* we present our options and you tell us which one you prefer.

6. Loan documents are sent through for you to e-sign.

7. Funds are deposited into your account the same day*.

*Subject to responsible lending checks.

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 Loan Consultant is with you for the duration of your loan. 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.

Make it easy

No need to scan and sign, fill in and upload lengthy documents. All we need is Photo ID and access to your 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. Most of our team have personal loans too!

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, you can receive payment that day or overnight!

Taking out a loan is a big step. Our team genuinely cares and takes 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 every one of our clients.

Loansmart is a highly reputable finance company that’s been lending 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.

Get A Free Loan Assessment

Loansmart is a highly reputable finance company that’s been lending 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 8.95%*

Our competitive personal loan rates range from 8.95% - 29.95%. *Subject to credit criteria and the credit profile of the applicant.

Longer Repayment Options

From 6 months to 10 years; up to 5 years for unsecured personal loans and 10 years for secured personal loans.

Faster Approval Process

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

Same Day Payment*

If you e-sign your loan documents by 3pm on a business day, we’ll deposit funds in your account the same day*. Depending on your bank, you’ll receive cash 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 $50,000 Unsecured & Up To $100,000 Secured

Borrow between $1,500 to $50,000 without having to provide security. Personal Loans of up to $100,000 can be secured using a caveat or second mortgage. We can also use vehicles as security, so long as they’re in good condition.
Get the complete package from a team that genuinely cares, and works hard to provide better loan options for you. Get Loansmart!