Had a wonderful experience with Loansmart! ….. Very efficient and fast and was the easiest process I've been through. Great stuff Loansmart!”

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

Smarter Loans >>> Faster

Unsecured Loans

At Loansmart we focus on meeting your needs, without making you jump through hoops!

  • Unsecured Personal Loans up to $50,000 
  • Interest rates from 8.95%*
  • No need for a second mortgage or caveat
  • Spread your repayments over 6 months to 5 years
  • No drawn out bank process or tiresome paperwork
  • Fast unsecured loans approved in 1 – 2 hours*
  • Same-day payout*
*Subject to responsible lending checks.

Get Loan smart

When it comes to borrowing you have a lot of options. But unsecured personal loans can differ considerably between lenders. Fees, interest rates, repayment terms; they all add up.

The difference could be hundreds if not thousands of dollars in costs. That’s money you can be using to pay down debt faster, or give yourself a bit of breathing room.

We don’t just provide loans, but smarter lending solutions

With Loansmart we look at your entire lending situation, to try and find a better deal for you. Make sure you’re getting a fairer deal from a low cost lender that cares.

Don't Pay More Than You Need

Save on fees and interest rates. We can show you how. Talk to a team that genuinely cares and works hard to:

  • Get your loan approved faster
  • Provide you with more options
  • Find you a great deal

To provide you with the very best lending experience we


Move fast

Most loans can be approved and paid the same day*, once we have everything we need from you. *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!

Smarter unsecured loans without the hassle of a drawn out process

Been declined for an unsecured loan?

We may be able to help. There isn’t a lending situation we haven’t encountered before and we can find solutions for most. 

Loansmart can provide more options than other lenders. With more options, you have more chance of getting your loan approved.

Get all your options in one simple call

Don’t pay more than you need to and get more options upfront, so you can decide what’s best for you. Call 0800 255 155 for a free 10 minute consultation. Our clients love what we do, and we love helping them. Talk to a team that cares and works hard to get your loan approved faster, and provide you with more options too.

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!