About Us

ThinkSmart is a financial technology company, listed on the AIM London Stock Exchange and a leader in B2B and B2C digital, paperless, retail point of sale finance in the UK, since 2003.

We are an intermediate finance company providing differentiated products to retailers in multiple sectors at the point of sale, in-store, online and through contact centres.

Our products create value and advantage, as they help both consumers and business customers to choose more of the products they want, more often, where transaction values range from £250 to £15,000.

ThinkSmart’s proprietary and proven technologies, include; SmartCheck an intelligent credit decision engine optimised for digital channels, e-signature providing paperless transactions for both in and out-of-store customer journeys and online basket integration.

Operations and processes have been designed and built to bank standards and we have a strong compliance culture which is regularly audited by banking partners.

ThinkSmart is one of the first companies in the UK to be awarded full FCA authorisation in our sector.

A unique combination of retail and finance expertise has enabled our business to build strong and enduring relationships.

  • In-store
  • Online
  • Catalogue &
    Contact Centre

For over 12 years, ThinkSmart has been an exclusive partner for Dixons Retail plc, now part of Dixons Carphone Group plc and Europe’s leading specialist electrical and telecommunications retailer.

Throughout, we have developed compelling business and consumer lease finance propositions like Upgrade Anytime – a first to market offer enabling consumers to upgrade to the very latest Computer, Tablet and Large screen TV whenever they want.

Upgrade Anytime creates long term high value customer relationships, whilst bringing forward sales and shortening replacement cycles.

ThinkSmart is a trading name of RentSmart Limited, a member of the Finance & Leasing Association and complies with the Business Code of Practice. A copy of the code is available on request. You can also find a copy of the FLA checklist for business finance at

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Investor Enquiries: ThinkSmart Limited, Suite 5, 531 Hay Street, SUBIACO, WA 6008, Australia.
ThinkSmart Ltd ACN 092 319 698

ThinkSmart is a trading name of RentSmart Limited 7th Floor, Oakland House, Talbot Road, Manchester M16 0PQ

RentSmart Limited is a wholly owned subsidiary of ThinkSmart Limited, and is registered in England and Wales with registered number 03689086, authorised and regulated by the Financial Conduct Authority. Financial Services Register number: 663327