Frequently Asked Questions

Am I eligible?
You must be an Australian resident, over 18 years old and have regular income.
How do I apply?
Call us on 1300 12 1300 and we will walk you through the application … easy!
Do you check my credit report?
First time borrowers, yes. If you have been with us for a while it is up to our discretion.
Can I contact Adam Smith outside business hours?
Yes, by email, text or phone message. After hours applications can be arranged to suit you.
What are your business hours?
Monday to Friday, 8:00am-4:30pm (AEST). But you can leave a message, send an email or text at any time.
How do I repay?
Weekly, fortnightly and even monthly (to approved) customers, via direct debit from your account.
Can I pay out early?
Yes! And there are no penalties. The account will stay open until you need further finance.
Are my details safe?
Yes. We use the best and latest encryption available.
What if I miss a payment?
You will be notified and a request for payment sent to you via SMS, email or surface mail.
Can I defer payments?
Yes, but it will require your voice on the end of a phone. We will need details as to why you require a deferred payment.
How quickly can I get the money?
Established clients can access their funds same day. New clients could be longer (conditions apply).
What does a loan cost me?
Established clients can access their funds same day. New clients could be longer (conditions apply).
I have a default on my credit file?
We take everything into consideration when we do an application. Some defaults do not mean you will be disqualified from having a loan.
Do I need security?
No, our loans are not secured.
I am a pensioner; can I get a loan?
We can do an application, the loan will depend on your current income, the type of pension you have and your financial commitments.
Can I get a further advance on my account?
Your account will have an established credit limit and you may borrow up to that limit at any time.
What do I do if I want to complain?

You can send an email to [email protected], or you can call our office and register your complaint.

What happens if I cannot pay?
Call our office as soon as possible and we can then make an arrangement with you.
How do I get paid?
Once approved, the funds will be deposited directly into your bank account.
How does this all work?
First you do an application, you will need to supply proof of income, bank statements and photo ID. If you are successful, we send your contracts via mail, email or fax. After we receive the completed contracts the funds are deposited into your bank.