How our Smart Loan works

Fast application and quick decisions

Credit limits from $500 up to $8000.

Ongoing access to credit

Ongoing fast access to your available credit, once you’re eligible you can apply to access your available credit via the Member’s Area for a quick decision.

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!
  • All applications are subject to responsible lending criteria.

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!