Loansmart assisted me in getting finance and paying off my debt. I am now debt free and very happy! Easy, affordable rates and exceptional customer care. Highly recommended.”

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

Loansmart

Responsible Lending Code

Although Loansmart isn’t the lender directly (We arrange lending via our Loan Providers) we take obligations seriously and abide by all of the current legislation, namely “The Responsible Lending Code”. The Code can be viewed here: Responsible Lending Code (June 2022) [PDF]

About Loansmart

Loansmart is a Personal Loan Arranger based in New Zealand (only). We have formed relationships with many low-cost Loan Providers so we can access a wide lending criteria for our customers. Our team works hard to provide our customers with suitable lending options based on their personal need & goals.

When you apply for a loan we have some responsibilities to you, these include understanding your needs & goals, and your financial situation. 

Depending on your circumstances the sort of information we may request from you is as follows:

  • Your personal circumstances including your age
  • What existing loans you have and whether they will be repaid with this loan
  • Recent bank statements to confirm your income and expenses
  • Whether your employment is full, part-time, or casual
  • What assets you have and their value
  • Details of your credit history and your consent to a Credit Check
  • Requesting to see your identity documents (drivers license/passport etc)

To understand your needs we may also ask the following:

  • The amount you would like to borrow
  • When you require the funds
  • The purpose of the loan
  • The loan term that best suits your needs/budget

It is very important to us that you understand your contract and we endeavor to do the following:

  • Make sure you know your rights and responsibilities before you sign the Contract
  • Have clear terms and conditions that are easy to understand
  • Ensure you understand the Interest Rate & Fees that apply to your Contract
  • Clearly specify any security being used and ensure you are aware of this
  • That you understand what may happen in the event of non-payment (repossession or sale of any property that you have provided as security)

This will allow you to make an informed decision about your loan.

Other websites that can assist you with borrowing money

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

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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.
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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.
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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.
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Longer Repayment Options

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