Fast Loans Made Easy with Loansmart

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When time isn’t on your side, fast loans can be a lifesaver. Whether it’s an urgent medical expense, home repairs, or a personal emergency, traditional lenders’ slow approval processes simply don’t cut it.

At Loansmart, we understand that waiting for days—or even weeks—isn’t an option when you need fast cash. That’s why we’ve built our service around speed, simplicity, and customer care.

By offering fast cash loans and making our process completely online, we deliver the solutions you need—exactly when you need them.

What are Fast Loans?

A fast loan – also called a quick loan – is exactly what it sounds like. It’s a personal loan designed to get cash in your account quickly. Unlike traditional loans from banks or finance companies, where the application process can drag on for days or weeks, fast loans put money in your hands fast, sometimes within hours.

This speed is critical for those facing unexpected emergencies like vehicle breakdowns, medical procedures, or short-notice travel. It’s also ideal for seizing time-sensitive opportunities, like funding home renovations or other projects without delay.

Why Loansmart is the Go-To Choice for Fast Cash Loans

At Loansmart, our motto is “smarter loans >> faster.” Here’s what sets us apart from the competition and makes us the preferred option for fast easy personal loans.

Lightning-Speed Approval Process

With Loansmart, your application can be approved in as little as 1–2 hours*. Apply early in the day, and we aim to pay out your loan on the very same day.

100% Online Process

Forget piles of paperwork. We’re 100% digital, from our online application form to signing your digital loan documents. Our online loan application process allows us to streamline it and save you time.

Multiple Lender Options

We’re loan brokers. That means your application is shared with multiple lenders so you have more chances of approval. It also means we can secure the best deals for your financial needs. This tailored approach lets us provide fast cash lending that’s efficient and easy without compromising quality or customer service.

*Subject to responsible lending criteria.

Real Stories of Loansmart Customers

Want to know if we’re for real? Check out these real stories from Loansmart customers that show just how effective Loansmart can be when time is of the essence.

Jayda urgently needed $5,000 for funeral costs and couldn’t wait the several days typical banks require for approval. She turned to Loansmart because she needed the funds immediately, as the funeral was scheduled for the upcoming weekend.

Our fully online process enabled Jayda to quickly apply using our online application form, and receive her approval within hours. Because she applied early in the day, we ensured she had the funds in her account in time for the service. Fast loans gave Jayda the relief she needed during a difficult time.

Terry needed $60,000 to complete home repairs before putting his house on the market. Time was critical, as delays in repairs meant he might miss out on his desired selling timeline.

Initially, Terry turned to his bank, but he quickly discovered their response time would take over a week—a timeline that didn’t work for him. That’s where Loansmart came in. Terry applied using our online loan application form that takes just 2 minutes to complete.

With our super quick loans, we approved Terry’s loan on the same day, and he was able to move forward with the repairs almost immediately.

When Meghan reached out, she had a heartbreaking request—funding to cremate her beloved horse. Faced with an emotionally draining situation, the last thing she needed was the frustration of delays. Unfortunately, traditional lenders couldn’t meet her timeline, with one bank estimating a week-long wait just for a decision.

She then turned to Loansmart. Thanks to our fast and simple online application process, Meghan submitted her request in under two minutes. We confirmed her details over the phone and approved her loan the very same day. While the circumstances were unfortunate, Meghan expressed gratitude for the speed and care Loansmart provided.

How Loansmart Delivers Speed and Simplicity

When life throws unexpected expenses your way, you need a lender you can trust to deliver fast, reliable solutions.

With Loansmart, you get more than just speed; you get access to a network of lending partners, expert guidance, and the assurance that we’re committed to making your experience a positive one.

Our fully online process is designed for ultimate convenience, and it doesn’t just apply to fast loans.

We also offer:

FAQ

How fast are fast loans?

Pretty fast! We can usually get approval within 1-2 hours*, with same day payout possible if you apply early enough in the day. We process applications in the order we receive them, so the earlier in the day you apply, the better your chances of getting a same-day payout. Keep in mind that due to bank processing times, even if we payout your loan the same day, the money might not get to your account before the next day.

*Subject to responsible lending checks and criteria

What terms do you offer?

We make sure you can afford your loan repayments by offering flexible loan terms, with a minimum loan term of 6 months, through to a maximum loan period of 7 years.

How much can I borrow?

With a fast loan from Loansmart you can borrow up to $75,000 with an unsecured loan, or $150,000 (sometimes even more) with a secured loan. Find out what your repayments would be with our free online loan calculator.

Can I get a fast loan with no credit check?

As a responsible lender, Loansmart does credit checks on all our loan applications. However, if you have a bad credit score, don’t worry. This doesn’t mean you can’t get a loan. We believe people deserve second chances, so even if you have bad credit history, if you have regular stable income and can afford the repayments, there’s a good chance we can find a solution for you. Have a chat to our friendly team about your financial situation and we’ll help you figure it out.