What to do when looking for an instant loan

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If you need cash in a hurry, you need a lender that can give you a solution without any fuss.

Loansmart specialises in providing super quick solutions to people looking for instant loans.

There’s no such thing as an “instant loan”, but if you’re searching for one then you probably need cash quickly.

Same-day loans are definitely possible, but any responsible lender will need to carry out some checks before lending you money to make sure you can afford the repayments.

Online process

Our loan application takes just 3 minutes!

With Loansmart, we take all the stress out of applying for loans. All you have to do is provide us with some basic info and we take it from there.

Provide us with a photo ID and recent bank statements so we can get started.

Doing it online means you don’t need to take time out from your busy day to apply for a loan.

No paperwork

The last thing you want to do if you’re looking for an instant cash loan is fill out lengthy forms.

Loansmart makes applying for a loan easy with our paperless online process.

You can do it without documents from any device, wherever you are! So easy.

Giving you options

When you apply for a loan through Loansmart, we put your application in front of multiple lenders to give you options.

That way, you can choose the best deal for you.

The whole process takes just 1-2 hours* with no paperwork – we jump through hoops so you don’t have to!

Just make one application, then sit back and let our team of experts do the rest. Learn more about what a Loan Broker does.

Same day payment

There’s no waiting around with Loansmart. We offer loans on the same day – smarter loans, faster, that’s our tagline and we own it.

After completing our no paperwork 3 minute online application, we’ll get in touch to discuss your application before coming back to you with options from multiple lenders.

Once you’ve chosen the best deal for you, we can start arranging for the money to be paid into your account.

If you complete the online contract and any additional steps before the end of the day, we can pay the cash that day. Depending on your back, it may appear in your account the same day or the next morning.

Bad credit - no worries

You may be looking for instant no-credit check loans. Learn how Loansmart can help you get a loan with bad credit. With us, you don’t have to hide your credit score. Over the years, we’ve assisted thousands of borrowers in obtaining fast, fair, affordable loans despite their credit history.

We have an entire section on our website dedicated to helping people improve their financial health. It’s full of helpful tips like ‘7 things you must know to improve your credit score’.

We’re here to help

So there you have it. Although we don’t offer ‘instant loans’ we are still pretty fast, especially in situations of urgency. Check out how we helped a client get emergency vet finance, after other lenders declined her. We’d love to help you, so just give us a call or apply online.

*Subject to responsible lending checks and lending criteria

Instant Loans FAQ's

Yes, our online loans are 100% online – no lengthy forms, or need to email your bank statements.

We need access to your bank accounts. This is to assess your ability to pay the loan back. We need to make sure your repayments are affordable.

We will send you a link granting us permission to view your statements online. This is done quickly, easily and securely. You don’t need to email us your bank statements.

Loansmart specialises in making loan payments affordable. We’ll look at your whole borrowing situation. We offer debt consolidation loans to people with existing loans who are struggling to make their repayments.

To help make payments more affordable, we offer lower interest rates and flexible repayment options.

Our minimum loan term is 6 months. Payday loans aren’t the best option for most borrowers. Live paycheck to paycheck? Let’s see if we can make living more comfortable for you by reducing your monthly loan repayments and giving you a top-up at the same time.

An instant loan is a personal loan, and can be used for all sorts of things like unexpected expenses, medical expenses, everyday expenses, travel expenses, vet finance – pretty much anything you need quick cash for.

We offer most of our loans unsecured, but if you have bad credit, your loan may need to be secured by an asset such as a car.

This depends on what you can afford. Loan amounts start around $2,000 and go up to $50,000 unsecured and $150,000 secured, but we sometimes lend higher than this.

For a repayment estimate, check out our personal loan calculators.

We offer competitive interest rates starting at 9.95%. Naturally, if you have bad credit you’ll pay more than this. The most you’ll be charged is 35.50%.