ThinkSmart Ltd. provided earnings guidance for the second half of 2012. The company is expecting to report a second half 2012 NPAT result in the region of break-even, a significant improvement on the first half of 2012. The outlook for 2013 remains unchanged with a return to profit expected due to: the benefits of lease accounting, growth in ThinkSmart's "no interest ever" product, Fido, in Australia, on-going growth in the UK, and lower fixed costs.