Adam Smith Finance

Since 1930

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 1300 12 1300

ADAM SMITH PTY LTD IS A FINANCE COMPANY THAT PROVIDES SHORT TERM LOANS BETWEEN $500.00 TO $3,000.00

We offer our loans under a Continuing Credit Contract, which is similar to a credit card system. We can tailor your loan under terms and conditions that suit you, from 6 months to 18 months, or more. 

There are No penalties for early repayment, our costs are much lower than most short term lenders, and there are no extra hidden fees. Our focus is on quick, friendly and personal service. 

Since 1930, Adam Smith has been assisting people with Unsecured Small Cash Loans, Small Cash Advances for any purpose. 

Adam smith Are pioneers in the consumer lending industry, and we hve always been responsible lender who are totally dedicated to our clients needs. We are mobile lender that can come to you. We have clients all over australia, call us and let us see what we can do for you. 

If you have bad credit call us and we will see if we can help.                                                                 

How it works

1.  YOU MUST WORKING

We need copies of your most RECENT PAY SLIP AND YOUR BANK STATEMENTS FOR THE past 3 MONTHS.

2.  YOUR LOAN ASSESSMENT AND APPROVAL

YOUR APPLICATION WILL BE ASSESSED QUICKLY by our Qualified responcible management team with OVER 40 YEARS EXPERIENCE.

3. YOUR APPROVED!

If you are aproved we can have the cash to you within a few hours

We help you with your application

WE communicate with you in person. we look at your needs carefully and we have a number of great products thatmay be the solution to your needs. We CLARIFy the processes of the application to make it easier and faster.

 

ONCE APPROVED, WE WILL CONTACT YOU TO discuss signing the contract and your require form of payment. WE clearly EXPLAIN our CONTRACT TERMS AND CONDITIONS and there is always a cooling off period. 

 

ALL FIRST TIME borrowers must meet face to face with one of our mobile lenders befor any transaction takes place. ONCE you are an eSTABLISHED client we can arrange to have funds deposited into you account and exchange documentation electronically. 

 

we are friendly, personal and descreet. WE CAN MAKE A REAL DIFFERENCE TO YOUR CIRCUMSTANCES.

1300 12 1300

Adam Smith was established in  1930  -   And we are still helping people to get ahead 

  FAQ

How much does a loan cost?

A loan with us of  $1000.00 over (6) six months, with repayments of $190.00 per month would set you back around $140-00 in interest.The APR is set at 48%.

We have NO set up fees.....NO late payment fees....NO hidden fees.

Interest is calculated and charged on the outstanding reducing balance daily, you only pay for the time you have your account current.

You can repay at anytime without penalty, take the full term of your contact or 1 day, the choice is yours. The examples above are an estimate only,and as such depend on the days between transactions.

What is an APR and why is it so high.

The term Annual Percentage Rate (APR) and the calculation of an APR is dependent upon many factors, (one being) the amount and time your loan is over.

For example:- a loan of $100-00 with an interest charge of $1-00 for 1 day would equate to an APR of 365%.

If you need clarification please call and speak to our staff for any information on our rates, terms and conditions.

All loans are To Approved Persons (TAP) and subject to our lending policy and suitability assessments.

Accessing this web site does not constitute a loan offer.

1300 12 1300