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Needed a loan to pay off cc but ended up getting an unsecured loan to consolidate other debts. Big thanks to Loansmart. They made the impossible possible”

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

Smarter Loans >>> Faster

Christmas Consolidation Loans

Loansmart is on a mission to keep repayments low and spirits high this holiday season!
  1. Repay existing loans
  2. Start again with a low cost lender
  3. Make repayments more affordable
  4. Get extra cash for Christmas & Holidays *

Let’s be honest, Christmas can be a time of great joy, but it can also be stressful financially. So how do you enjoy the best of the holiday season without adding to your burden? That’s where we come in.

Our festive finance consolidation loans can help you lower your repayments and apply for extra cash to cover all those holiday season expenses. If it’s a holiday, presents for the kids, or a Christmas feast with all the trimmings, we want to help you finance it affordably.

Just to be clear – these loans are debt consolidation loans, but if you need extra cash to cover your expenses over this time, we’ll do our best to help you*.

*Subject to responsible lending checks and lending criteria.

How do we help you lower your repayments?

We look at your entire lending situation to try and find a better deal for you, and put your application out to our network of low cost lenders. With one application, you can get multiple loan options. Plus, you only have one credit check.

We’re really good at what we do.

All loans are subject to responsible lending checks, which basically means we need to make sure you can afford them. To make your loan more affordable, we look at your existing loans to see if we can get you a better deal. We do our best to lower your interest costs and repayments. Honestly, we’re really good at what we do. Take a look at these real-life stories of borrowers we’ve helped. We’ve even helped borrowers with over 100k in personal loans!

On the Naughty List?

No problem – we help people with all sorts of credit scores, including those with poor ones.

Loansmart is different from other loan companies – we genuinely try to help people take control of their finances by providing fair and affordable loans that put their financial well-being first.

We take a human approach to lending – it’s not just about the numbers to us. We’re interested in your story, how you got into this situation and how we can help you improve your credit score.

Meet Loansmart’s Little Helpers

Adnan, Jonathan, Corby and the rest of Loansmart’s little helpers work hard to find great solutions. And they move fast to get loans paid out sooner! Check out all their 5-star reviews!

Ready To Get A Great Deal on Your Loan?

Let’s get you a smarter loan >> faster, so you can enjoy the holidays without worrying about your finances.

  • Give yourself the gift of lower repayments and loans costs* this Christmas.
  • Get the extra cash you need to fund holiday expenses affordably*.
  • Choose a low cost loan company that cares – choose Loansmart!

*Subject to responsible lending checks.

Don't Pay More Than You Need

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!