Rates and Fees



Our EasyCard works just like a credit card – pay in full on the due date and enjoy a minimum of 60 days interest free with no payments on every purchase.

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Our Lifestyle Loans are available exclusively to our AA+ customers, and perfect for quick and easy access to funds.  Our customers have used Lifestyle Loans for weddings, holidays, debt consolidation, new vehicles and medical expenses.



This is our interest free Fixed Instalment contract, offering extended interest free terms designed to give you a set instalment to pay each month, knowing that at the end of the contract, your goods are paid for in full. This is a option popular with many of our customers who want to budget a fixed dollar amount each month.

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Smiths City Finance Proudly Supports

Smiths City Finance has been part of the Smiths City group of companies since the 1980’s.  We’re proud to be a part of the team, and part of the long-standing tradition of great customer service from ethical retailers who care about their customers.