Made everything so easy. I had a person with empathy for my situation. Bloody good job all round.”

- Jeremy
We Make It Easy
Rates From 8.95%*
We Say Yes More Often

We say yes more often

Bad Credit Loans

Had lending declined? Credit score not quite up to scratch?

It’s quite possible we can help you get the money you need now. There isn’t a lending situation we haven’t encountered before and we can find solutions for most.

  • Faster approvals
  • Lower interest rates (we are not a high cost lender)
  • More options for more chances of success
  • Affordable, fixed repayments of up to 5 years (10 with security)

We are interested in your story

Our team gets to know you. We’re interested in your story and what’s changed for you.

  • We take time to find out why you have bad credit
  • We learn how your situation has improved
  • We do everything we can to help you

More options for more chances of success

Loansmart wants to give our clients some breathing room, not place them under more pressure. We strive to set you up for repayment success, not failure.

Get a second chance

If you can show how you’ve improved your situation, or have a reasonable explanation for any defaults with your credit, we may still be able to get you the cash you need.

Many people have bad credit scores, but with a second chance and the right loan structure they can improve them. The first step is to ensure your repayments are affordable and that you’re not paying more than you need to in loan costs.

Smarter Loans >>> Faster

We care about our clients

If you’ve struggled with paying bills in the past, the last thing we want to do is put you under more stress. Instead, we help by finding a repayment solution you can afford, with fairer fees and lower interest rates. Giving yourself a bit of ‘wriggle room’ can help ensure you don’t miss repayments in the future, so you can rebuild your credit score!

To provide you with the very best lending 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.

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 cares


A lot of people think they have bad credit, but …

In actual fact it’s not that bad at all. If you need an emergency loan, it’s really important you don’t pay more than you have to. Some people take the first loan they can get thinking they may not have other options.

Sadly, they end up paying huge interest rates and fees. The last thing you want is to default on loan repayments, and if lending costs are high it’s easy to do. Be sure to give us a call first on 0800 255 155.

Not all situations will meet our lending requirements; however, once we have an idea of your individual circumstances we do everything we can to help.

Complete our application form to get started.

Don't Pay More Than You Need

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 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%*

*Subject to credit criteria and the credit profile of the applicant. Rates range from 8.95% - 29.95%.

Longer repayment options

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

Faster approval process

Provide us with photo ID and access to your bank statements online, and your loan can be approved in just 1 - 2 hours*

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 $30,000 unsecured and up to $100,000 secured

Borrow between $1,500 to $30,000 without having to provide security. 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 options for you. Get Loansmart!