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 9.95%*
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 $75,000 
  • Interest rates from 9.95%*
  • Spread your repayments over 6 months to 84 months.
  • No drawn-out bank process or tiresome paperwork
  • Fast unsecured loans approved in 1 – 2 hours* online.
  • Low establishment fee
  • Easy to understand rates and fees
  • Same-day payout*
*Subject to responsible lending checks and lending criteria.

Get Loan smart

Loansmart specialises in unsecured loans. Most of the lending we arrange is unsecured – this enables us to work more quickly to get you the funds you need.

When it comes to borrowing you have a lot of options. But unsecured personal loans can differ considerably between providers. 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 repay debts 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

Loansmart is an associate member of the Financial Services Federation. We support and promote responsible lending practices. This means you can trust us to give you advice that’s in your best interests when taking out a loan. Our loan advisors are experts at finding simple, affordable solutions for all kinds of situations. There’s almost no problem we can’t solve.

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.
*Subject to responsible lending checks and lending criteria.

Make it easy

No need to scan and sign, fill in and upload lengthy documents. All we need is Photo ID and recent 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.

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.


When a loan is secured, it means assets (like a house or car) are used as security, or collateral, against the loan. If you fail to pay back your loan, those assets can be taken by the lender.

An unsecured loan means there’s no security taken out against your loan, you simply get the cash you need and you pay it back over time.

With an unsecured loan, we can get you your funds faster because we don’t have to spend time checking the value of your assets. It’s a much simpler process.

Depending on your credit history, we may require security before we can give you a loan. In the end, it will depend on your financial history as well as your circumstances. Bad credit loans are one of our specialties, and the best part is that they’re low-cost as well.

So, if you have a bad credit score and are wondering if you can get a personal loan, contact our friendly team today.

When you apply for a loan through Loansmart, we need to check your financial history to make sure you can afford to take one out. This is part of our responsible lending practices.

However, we make it super easy by simply sending you a link for you to send us your bank statements electronically – no paperwork required!

An unsecured personal loan with a “guaranteed approval” does not exist, since lenders need to make sure their lending is responsible. Loansmart, however, finds positive solutions for the majority of our customers.

When you apply for a loan through us, we work quickly to find low-cost loans that suit your needs. Our goal is to get you what you need without adding to your financial burdens by taking a look at your credit history and financial situation. While we can’t guarantee approval, we can guarantee that we will do everything we can to help.

Whatever you like! One of the great things about getting an unsecured personal loan through Loansmart is that there’s no restrictions on what you can use the money for. Whether it’s for a holiday, a car, home repairs or a wedding, you have the freedom to use your funds how you see fit.

Loansmart’s unsecured personal loans are ideal if you need funds quickly. The $75,000 limit on unsecured loans is enough for most borrowers. However, if you need to borrow more, we can also offer secured loans up to $150,000, depending on your financial situation.

We make it easy to get what you need and we make it affordable – by spreading your payments on a loan term between 6 months and 7 years, you’ll have enough financial wiggle room that you’re not under too much pressure.

An unsecured loan may be best for you if you want to get your funds quickly, and don’t want to risk losing any assets if you fall into financial difficulty. However, it might not be the best option if you have a bad credit history or you want to borrow more than $75,000.

Still unsure? Get in touch with our friendly loan advisors at Loansmart today, and they can talk you through your options.

Not necessarily. Many banks offer a “one-rate-fits-all” approach to lending. So if you’ve got a good credit score, and good discretionary income, you might end up paying more through a bank.

Banks typically offer up to $30,000 for unsecured loans, but online lenders like Loansmart can offer up to $75,000. That extra $45,000 can make all the difference if you’re renovating, buying a car or consolidating loans. Check out this article here for more information on the differences between banks and online lenders.

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!

*Subject to responsible lending checks.