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 8.95%*
We Say Yes More Often

Smarter Loans >>> Faster

About Loansmart

When you take out a loan with Loansmart, you can be confident that you’re getting a good deal. Many companies can say they pride themselves on their customer reviews, but very few have the genuine, heart felt reviews that our company does. When you look at over 300 5-star Google My Business reviews, a few things stand out:

  • Speed of service
  • Easy stress free process
  • Friendly, helpful staff
  • Professional conduct
  • Exceptional communication

These are our customers’ words, not ours!

– I felt that I was well supported all the way with my loan application.
– The whole process was easy and hassle-free
– Professional conduct and excellent communication throughout the whole process
– Treated me as a person, not just a customer
– Very helpful and went beyond what I expected from any loan company
– Prompt communication, no-fuss process and all-round 5-star customer service experience

We look after their 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 10,000 people get fair and affordable finance – fast. Most of Loansmart’s business comes from repeat customers as well as word of mouth because they love what we do, and we love serving them.

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

Loansmart is a low cost lender with interest rates between 8.95% to 29.95%. The interest you pay depends on the amount borrowed, your personal circumstances and credit history.

What’s more, we are a responsible lender who makes every aspect of your loan transparent so there are no surprises. There are no hidden fees and our quick cash loans have fixed repayments so you will have certainty and peace of mind throughout the period of your loan and any subsequent 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"

Murray Greig - Loansmart Founder

Get A Free Loan Assessment

Loansmart is a highly reputable loan company that’s been lending 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 8.95%*

Our competitive personal loan rates range from 8.95% - 29.95%. *Subject to credit criteria and the credit profile of the applicant.

Longer Repayment Options

From 6 months to 10 years; up to 5 years for unsecured personal loans and 10 years for secured personal loans.

Faster Approval Process

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

Same Day Payment*

If you e-sign your loan documents by 3pm on a business day, we’ll deposit funds in your account the same day*. Depending on your bank, you’ll receive cash 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 $50,000 Unsecured & Up To $100,000 Secured

Borrow between $1,500 to $50,000 without having to provide security. Personal Loans of up to $100,000 can be secured using a caveat or second mortgage. We can also use vehicles as security, so long as they’re in good condition.
Get the complete package from a team that genuinely cares, and works hard to provide better loan options for you. Get Loansmart!