INCREDIBLE experienced, Fast & Reliable Customer Service. The application process was fast and easy, everything is done online which makes it a whole lot easier."

- Kara
We Make It Easy
Rates From 9.95%*
We Say Yes More Often

Smarter Loans >>> Faster

About Loansmart

Loansmart is a trusted finance broker that provides Personal Loans & Car Loans to consumers all across New Zealand. With over 15 years of experience and a class 2 Financial Advice Provider License issued by the Financial Markets Authority, you can rest assured that Loansmart is a reliable and knowledgeable partner for anyone looking for a loan.

Our philosophy is to provide competitive loans as quickly as possible, taking the stress out of the borrowing process for our customers. We offer a wide range of loan types and repayment options, ensuring that our customers can find a loan solution that is tailored to their needs. With a commitment to providing excellent service, over 500 five-star Google reviews and a great range of options, we are the go-to choice for anyone seeking a loan in New Zealand.

You can view the Loansmart Disclosure Statement here.

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.

We look after our customers

The Loansmart team really does look after their customers.

That’s why we’ve grown so much since 2009. From a team of 2 to a team of 20, Loansmart has helped over 50,000 people get fair and affordable finance. Many of our customers come back to us when there is a future need.

Loansmart is 100% New Zealand owned and operated, with its office based in Newmarket, Auckland.

Loansmart arranges lending for it’s customers with low cost loan providers offering interest rates between 9.95% to 29.95%. The interest you pay depends on the amount borrowed, your personal circumstances and credit history.

What’s more, we are responsible for disclosure and make every aspect of your loan transparent so there are no surprises. There are no hidden fees and our quick loans have fixed repayments so you will have certainty and peace of mind throughout the period of your loan.

Who is Loansmart’s founder?

Murray Greig is the founder of Loansmart and has a wealth of experience in the lending and finance industry, with a career spanning 40 years. He began his career in the New Zealand banking industry before moving to the UK where he worked in various lending and account management roles.

When he returned to New Zealand he established one of the very first online lending companies back in 1998, Finance Direct. He identified that the big banks weren’t serving consumers as well as they could and decided to offer a boutique solution for customers.

Murray is considered a pioneer in online lending and his team has set the standard for customer service and transparency. Murray was at the front of the online lending market, embracing new technologies to make it more efficient and easier, for both lender and borrower. 

passionate about helping people

Murray is passionate about helping people access the credit they need at a fair price, and his commitment to outstanding customer service has made Loansmart one of the most respected names in the industry.

After Finance Direct was sold, he went on to found Loansmart in 2008 and sister companies
Loan Direct and Auckland Loans. His whole ethos has always been around speed and
service, affordable rates with minimal fuss.

Murray and his team also understand the significance of taking out a loan and take their responsibilities as a lender seriously. Loansmart is a registered Financial Service provider – FSP Number 7461 and member of Financial Services Complaints Ltd – our FSCL Number is 617.

"We work with our customers throughout the life of their loan, and if they have any concerns or their circumstances change, we work with them to resolve any issues. We want to make life easier for our customers, and we believe that personal finance should be neither costly nor stressful to obtain"

Get A Free Loan Assessment

Loansmart is highly reputable in the personal lending industry and has been providing services since 2008. Our experienced lending specialists work hard to get you the best deal.

Benefit from fairer terms, fees, interest rates and a team that cares.

Why Loansmart


We Say Yes More Often

Applied elsewhere but been declined? Loansmart provides more options than other lenders. With more options, you have more chances of getting your personal loan approved.

More Options Tailored For You

Pay down debt faster and more affordably with lower fees and interest rates. Don’t pay more than you need to and get more options.

Interest Rates From 9.95%*

Our competitive personal loan rates range from 9.95% - 35.50%.
*Subject to credit criteria and the credit profile of the applicant.

Longer Repayment Options

With loan terms from 6 months to 84 months, tailored to your needs.

Faster Approval Process

By providing us with your photo ID and recent bank statements online, your personal loan application could be approved in just 1 - 2 hours.
*Subject to responsible lending checks and lending criteria.

Same Day Payment*

*If you complete the online contract and any additional steps before the end of the day, then funds can be paid to your account. Depending on your bank, you may receive the funds that day or the next morning.

100% Easy, Online Process

No need to print, scan or upload statements. We simply send you a secure link that authorises us to view your statements online.

Borrow up to $75,000 Unsecured or more with a Secured Loan

The amount you can borrow and whether or not security is required is subject to standard lending criteria. We can use property (Caveat) or motor vehicles as security on a loan to increase the loan size, rates and terms.
Get the complete package from a team that genuinely cares, and works hard to provide better loan options for you. Get Loansmart!

*Subject to responsible lending checks.