APPLY NOW - ONLINE - OR call 9299-4955
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, generally from 6 months to 18 months.
There is No penalty for early repayment, importantly our costs are much lower than most other short term lenders, there are no extra hidden fees.
Our focus is on a quick, friendly and a personable service.
Since 1930, Adam Smith has been assisting people with Unsecured Small Cash Loans, any individual in need of a Small Cash Advance for any purpose. Our services only extend to those who are currently employed, and Australian residents.
As pioneers in the consumer lending industry in New South Wales, Adam Smith is a responsible lender that is dedicated in assisting you at this time of need. We operate from 2 locations, the Sydney CBD and the Parramatta CBD.
If you have had credit problems in the past, we can help.
How it works
1. YOU MUST BE LIVING AND WORKING IN THE SYDNEY METROPOLITAN AREA
PLEASE ENSURE YOU ALSO INCLUDE A COPY OF YOUR MOST RECENT PAY SLIP AND YOUR BANK STATEMENTS FOR THE LAST 3 MONTHS, AS REQUIRED BY GOVT REGULATIONS.
2. YOUR LOAN IS ASSESSED AND APPROVED
YOUR APPLICATION WILL BE ASSESSED QUICKLY. OUR LENDING DECISIONS ARE MADE BY STAFF WITH OVER 20 YEARS EXPERIENCE.
WE BASE OUR DECISIONS ON SIMPLE COMMON SENSE, AND WE WILL TALK WITH YOU FOR ANY CLARIFICATION.
ONCE APPROVED, WE WILL CONTACT YOU TO ARRANGE A MUTUALLY SUITABLE TIME FOR YOU TO ATTEND OUR OFFICE.
WE WILL FORMALLY EXPLAIN THE SIMPLE CONTRACT TERMS AND CONDITIONS, AND ANSWER ANY LAST MINUTE QUESTIONS THAT YOU MAY HAVE.
FOR ALL FIRST TIME LOANS, THE LOAN DOCUMENTS MUST BE SIGNED AT EITHER OF OUR OFFICES.
ONCE ESTABLISHED AND AS A RETURNING CUSTOMER THE PROCESS IS A LOT MORE STREAMLINED THERE IS NO NEED TO ATTEND OUR OFFICE
APPLY NOW AND WE CAN HELP MAKE A REAL DIFFERENCE TO YOUR FINANCIAL CIRCUMSTANCES.
Application is reviewed and
Receive funds in
your bank account
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.