I highly recommend Loansmart...fast, easy, honest, polite guidance which resulted in me being approved. The whole process was less than a day.”

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

Smarter Loans >>> Faster

Why Loansmart

Looking for a team that can arrange professional, low cost lending without all the hassle? Prefer to deal with one that’s proven with hundreds of 5-star reviews? You’ve found us!

  • Fairer fees, lower interest rates
  • Rates from 9.95%*
  • Approval in one-two hours*
  • Same day payout*
  • Easy, 100% online or phone process
  • Friendly, experienced team
  • More options tailored to you

Loansmart has been helping New Zealanders with their borrowing needs since 2008. Much of our the loans we arrange now are for existing customers. This is because our customers love what we do, and we love helping them.

Choose a company that works hard to provide the best loans.

*Subject to responsible lending checks and lending criteria.

Get the best loan for you

When it comes to borrowing, you have lots of choices. But the differences between loans and lenders can be huge. Fees, interest rates, customer service, terms – they’re all important.

At Loansmart we work hard to provide you with the complete package. So how do we do this?

Choose a loan company that works hard for you

Once we have a good understanding of your personal situation and goals, we start to explore options. We are a company that goes the extra mile to provide smart solutions, which is why we’re called Loansmart!

Your current situation

  • How many loans do you currently have?
  • How much are you paying for them?
  • What is your financial situation?

Your desired future

  • How much would you like to borrow?
  • How much can you afford to pay each month?
  • When would you like to have your loan paid off?

Smarter Loans >>> Faster

To provide the very best Loan experience we


Move fast

Most loans can be approved and paid the same day*, so long as we have everything we need from you before 3pm.
*Subject to responsible lending checks and lending criteria.

Make it easy

No need to scan and sign, fill in and upload lengthy documents. All we need is Photo ID and recent bank statements (we make that super easy and secure too!).

Make it enjoyable

We keep you updated every step of the way, so you always know where you’re at with your application.

Make it affordable

We work hard to find you the best deal we can. After all, we know what a difference those extra savings can mean.

Get a fairer deal, faster from a company that cares

No Hoop Jumping Required!

Loansmart arranges lending without the hassle of a drawn out process. We won’t make you jump through hoops, instead we jump them for you!

  • We work hard to find you a great deal
  • We provide you with more options
  • We move fast so you get your funds sooner

Loansmart is 100% New Zealand owned and operated company. We’ve been helping tens of thousands of Kiwis for over 15 years. No matter where you are in the country we can assist you to get back on track, get ahead and get sorted.

There are two types of lenders – ‘High Cost’ and ‘Low Cost’. By definition anyone who charges more than 50% is a high cost lender. All our loan providers are low cost lenders with interest rates between 9.95% to 29.95%. The interest you pay depends on the amount borrowed, your personal circumstances and credit history.

Had lending declined? We may be able to help. There isn’t a lending situation we haven’t encountered before and we can find solutions for most. Not all situations will meet our lending requirements; however, once we have an idea of your individual circumstances we can put forward a good case on your behalf. Apply online or call us to get started.

Even if you’ve defaulted on loans in the past, it’s quite possible we can help you get the money you need now. Our team gets to know your lending situation, and what’s changed for you. We’re interested in your story.

Find out more about our Second Chance loans.

We are committed to responsible lending to 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.

Once you’ve applied for a loan with Loansmart, you can sit back and let us take care of the process for you. Our professional team will keep you in the loop so you know exactly where you’re at with your application.

We work fast, so you get your loan approved faster. Once your loan is approved, and final steps completed, you can receive payment that day or overnight*!

*Subject to responsible lending checks.

You’ll be assigned a Personal Loan Consultant, who will be with you for the duration of your loan. If you have any questions or your circumstances change, just give them a call. Having someone who understands you, means you don’t have to explain your financial situation over and over again.

Taking out a loan is a big step. Our team genuinely cares and works hard to get your loan approved while also taking the time to find better options for you.

Providing smarter loan solutions is what we do best.

Read our 5 Star reviews to learn about the extra effort we put in for each and everyone of our clients.

Get A Free Loan Assessment

Loansmart is a highly reputable company that’s been lending since 2008. Our experienced Personal Loan Consultants 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.