Responsible Lending

Adam Smith maintains the highest level of responsible lending. Our staff are vigilant and maintain a close relationship with our clients. Your financial health is important to us and we are always conscious of the responsibilities associated with lending money to individuals.

Our line of credit facilities are designed to be flexible. You should always be in control of your finances. We at Adam Smith have been around for a long time, we care about our clients. You will always be expected to be honest in your dealings with us and respectful of our regulatory restraints.

From the moment you take out a line of credit, we will attend to your requirements and security. You will always be talking to a real person.

There are no application fees or on-going account keeping fees. Our credit facilities are totally transparent with interest calculated daily and applied on the balance. Our APR (Annual Percentage Rate) is 48%. The only time you receive a fee is if you dishonor or miss a payment without notice; call us first, tell us why, make an arrangement and we will make sure the late fees are not applied.

Apart from the financial benefits, you will be dealing with consultants who are personal, friendly, discreet and private.

Website Policy & Security

All personal information held by us will be handled and stored in accordance with our obligations under the Privacy Act.

We will take reasonable steps to:
  • make sure that your personal information we collect, use or disclose is correct and current;
  • protect the information from abuse, tampering, loss or unapproved use, adjustment or disclosure.through our computer security processes; and
  • remove or de-identify the data that is no longer needed.

When you visit our website, third party agents, registered with us could monitor and make a log of your movements and data for their own purposes.

Our privacy policy is limited to the selection, storage and use of personally and private information collected from our customers, as part of our regular businesses, and it does not apply to any third parties.

We have no control over the privacy systems or methods of any third party websites. We accept no liability for the privacy practices of other websites.

Changes to this policy

This policy is subject to changes without prior notice. We may amend this policy by updating this posting.


If you’re not happy and you wish to make a complaint, you should contact our Internal Dispute Resolution (IDR) Manager, by telephoning 1300 55 10 10 as soon as possible. We may ask that you put your complaint in writing so we can investigate it further. Please click on this link to email a written response; [email protected]

Click here to read our Privacy Policy
Download – Privacy Policy

Click here to read our Credit Guide
Download – Credit Guide