24/7 Loans

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Open 24 Hours, 7 Days A Week

Flights for that well-deserved holiday on special? Need to get your debts consolidated urgently? Decided to plan a home makeover at 2am? Got bills that need to be paid urgently? No worries! 

We are open 24 hours a day, seven days a week; so whatever you need and no matter the time of day – we can help! Apply for a quick cash loan anytime with our easy online application process. It only takes a couple of minutes and funds could be in your account the same day. 

Why Loansmart For 24/7 Loans Online? 

We’ve been helping Kiwi’s with their borrowing needs since 2008. Our customers love what we do and we love helping them. Over 25% of our lending is to existing customers.

Allow our experienced loan consultants to provide you with a VIP lending experience. Still not convinced? Maybe our 150+ 5-star reviews will do the trick!

Our finance products have fixed interest rates and no hidden fees to ensure you have peace of mind throughout the repayment period. Better still, we are a low cost lender. To meet the criteria of a low cost lender, you mustn’t charge more than an interest rate of 50%, but we are MUCH lower than that and never charge more than 29.99%. 

  • Rates start from just 8.95%*
  • Same day payout and approval process*
  • Easy, 100% online application 
  • Friendly, helpful staff
  • More options tailored to you

A typical loan is for $10,000 with weekly repayments of $52 over 60 months (five years). 

An example of a typical loan with us is as follows:

  • Loan Amount: $10,000
  • Loan Period:  60 Months  
  • Interest Rate:  9.95% 
  • Fees: $495 
  • Total repayment amount:  $13,254.00 
  • Monthly repayments: $220.90 over 60 months. 
  • This equates to an Annual Percentage Rate (APR) of 12.05%

Yes, We Provide Low Cost Lending on Bad Credit Loans

Our lending criteria isn’t as harsh as the banks and we offer more personal loan options for more chances of success. Bad Credit? Pre-existing debts? We can help! Loansmart offers Bad Credit and Debt Consolidation Loans to help you get back on track. Even if you have poor credit, it’s still possible to get a low cost loan with us. We provide Smarter Loans >>> Faster, hence our name!

What Are Your 24/7 Loan Terms? 

The minimum term is 6 months with 5 years being the maximum for unsecured loans, and 10 years for secured loans. The exact term will depend on your personal financial situation. Because we want to ensure you are set up for repayment success, we’ll ensure your loan is structured so that it’s affordable. Most borrowing doesn’t require security, but larger loans over $30,000 will. We do need to look at your credit history, but even if it’s poor, we can still find low cost lending solutions for most. 

Improve Your Credit Score

Let us know when you are paid, so we can take your repayments out at the same time. That way you have the peace-of-mind of knowing your loan repayments are being made on time. Keeping up with your payments is an easy way to improve your credit score. Good credit scores can make borrowing easier and help you secure a lower interest rate. 

Try our online Personal Loan Calculator for an estimate of how much you can borrow and how much your repayments will be. 

How Do I Apply For A 24/7 Loan Online?

Online of course! Our online process consists of seven simple steps, and we take care of mostly everything for you. Want to learn more about what’s involved in applying for finance? Check out our Loan Process. We make it as stress free as possible. 

Don’t let financial pressure prevent you from getting a good night’s sleep! 

We receive applications at all times of the day and night. Unfortunately it’s often when you’re trying to sleep that money, or a lack of it, plays on your mind. It is human nature to worry at night, when you’re not distracted by tasks and other people – but you don’t need to stress. Apply online and let us find you a solution. If you apply at night, you’ll hear from one of our helpful lending consultants tomorrow morning. We can find affordable, low cost lending solutions for most situations.

Loansmart Provides Online Loans For Anything!

Apply for a quick cash loan today or tonight!

Our online application process takes less than 3 minutes with online approval in 1-2 hours during business hours. 

Need help? Our friendly team of consultants are available to talk you through the approval process at 0800 255 155.