About us

Borrowing, made clear and fair.

We're an Australian lender for the moments life doesn't budget for. We keep costs visible, lend only when it's right for you, and treat people the way we'd want to be treated.

Too often, borrowing a modest amount comes wrapped in fine print, unclear costs and pressure. We started smallloans.au to do the opposite: show people exactly what a loan costs before they apply, make a fair and honest assessment, and never push someone into borrowing that doesn't suit them.

Smart Names team helping a customer
What we stand for

The principles we lend by

Clear before you commit

Fees, rates and repayments are shown up front — not buried in fine print. If a cost applies, you'll see it before you apply, not after.

We lend responsibly

We assess every application on its merits and only lend when we reasonably believe a loan is suitable and the repayments won't cause hardship.

Built for real life

Our loans are for genuine, one-off needs — a repair, a bill, a move — not for spiralling debt or day-to-day spending.

Support when it counts

If your circumstances change, we'd rather hear from you early. We work with customers experiencing hardship to find a way forward.

Our commitment

How we lend responsibly

Responsible lending isn't a tagline for us — it's a set of obligations we take seriously, for every application.

Regulated & accountable

Licensed, and answerable

We operate under Australian credit law and are accountable to independent bodies.

Credit licence
ACL [570687]

We hold an Australian Credit Licence issued by ASIC.

Complaints
AFCA member [118777]

Member of the Australian Financial Complaints Authority — free, independent dispute resolution.

Governed by
NCCP Act 2009

We comply with the National Consumer Credit Protection Act and responsible lending obligations.

Your privacy
Privacy Act

Your data is handled under the Privacy Act 1988 and our Credit Policy.

Get in touch

We'd love to hear from you

Questions about a loan, an application or your account? Our team is here to help.

Call us1300 363 015