7 Things You Must Know To Improve Your Credit Score

Name: Loansmart
Address: 33 Broadway, Newmarket, Auckland, 1023, New Zealand
Telephone: 0800 255 155
Price range: $1,000 to $50,000 in loans
Rating: 5

Share this post

Credit Scores, Improve Your Financial Health

Check out our handy infographic to learn about the 7 best ways to improve your credit score.

Loan of the month – March 2024

April 24, 2024

Increased unsecured loan limit great news for borrowers

April 12, 2024

Loan of the month – February 2024

March 20, 2024

480,000 Kiwis fall behind on credit payments

March 12, 2024

Cost of Living Loans: Borrowing To Cover Living Expenses

February 1, 2024

How To Manage Back to School Expenses

January 22, 2024

Loan of The Month – December 2023

January 22, 2024

Need help with your Online Loan?

Get in touch today!

Call Us

8:30am - 5pm, Monday to Friday
0800 255 155

See FAQs

Click here for answers to our
commonly asked questions

*Annual Interest Rates (AIR) range from 9.95% p.a. to 35.50% p.a. with loan terms of 6 months to 84 months. Fees apply.

Example: A loan of $10,000 over 60 months at 10.95% has a Loansmart fee of $745 totalling weekly repayments of $53.72*. The total amount payable is $13,967.70. This equates to an Annual Percentage Rate (APR) of 14.23%

*Lender establishment fee, monthly admin fee & any optional insurances are variable so not included.

Quick Links

Getting a Loan

Loansmart Limited is an Associate Member of the Financial Services Federation, we support and promote responsible behaviour when providing financial services to New Zealanders. Here are links to the Responsible Lending Guidelines and The Code of Responsible Borrowing.

1. Loansmart Limited (FSP #7461, trading as Loansmart) holds a Full Class 2 Financial Advice Provider Licence issued by the Financial Markets Authority to provide financial advice, and is a member of Financial Services Complaints Ltd, our FSCL Number is 617.

2. It is free to complete an application with Loansmart. A fee to use our service is only applicable when you enter into a loan arranged by us.

3. *Rates of 9.95% are subject to lending criteria and eligibility. 1-hour approval and same-day payout subject to the applicant meeting our lending criteria and supplying all the information we need to process their application. We do not offer “short-term” loans, the terms offered by our providers range from 6 months to 84 months.

4. Annual Percentage Rate (APR): Also known as the ‘comparison rate’, the APR is calculated by adding together the AIR plus any additional fees that may apply (like establishment fees charged by providers). New Zealand law does not require APR disclosure, but doing so can better highlight borrowing costs.

Website by Digital Stream