How our Smart Loan works

Fast application and quick decisions

Credit limits from $500 up to $5000

Ongoing access to credit

Ongoing fast access to your available credit, so as you pay off your outstanding balance you can top up your cash quickly and easily

Tailored to suit you

Repayments that match your financial situation, debited to match your pay cycle to make things even easier

Apply for your fast Smart Loan in 3 easy steps


Complete a fast easy online application

  • Fill out a simple form that tells us about your income and other financial details.
  • Use our automated service to supply us with your bank statements instantly! (optional)

Watch our clever loan engine work its magic

  • Sit back and relax while our clever loan engine checks your credentials.
  • Let it work out your credit limit and a maximum repayment amount that suits you.
  • Read and review your contract (you'll be amazed at how fast we are!).

Get your money nice and quick (woop woop!)

  • Receive your cash within 60 minutes of approval if you've accepted your contract before 2:30pm Sydney time on a business day (or receive your cash the next business day if accepted after 2:30pm Sydney time).


We’ll help you get your Smart Loan today!