SMB Money Limited (FSP41567), trading as “SMB” is registered under the Financial Service Providers (Registration and Dispute Resolution) Act 2008. Terms and conditions. Subject to approval. SMB's interest rate range is offered based on the individual borrower's credit assessment according to SMB's credit scorecard. You must meet SMB's credit criteria and responsible lending requirements to be approved. Fees, charges, terms and conditions apply. Example loan: For an SMB Personal Loan of $5,000 borrowed for 36 months with a fixed interest rate of 29.99% p.a., the total amount you would need to repay would be $7,984.23 (made up of $5000 principal, interest of $2,600.23 and a $240 establishment fee). You are protected by responsible lending laws. Because of these protections, the recommendations given to you about personal loans are not regulated financial advice. This means that duties and requirements imposed on people who give financial advice do not apply to these recommendations. This includes a duty to comply with a code of conduct and a requirement to be licensed.