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

- Andrew
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We Make It Easy
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Rates From 8.95%*
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We Say Yes More Often

Smarter Loans >>> Faster

Why Loansmart

Looking for a Loan Company that provides 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 8.95%*
  • 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. Over 25% of our lending is to existing clients. This is because our customers love what we do, and we love helping them. Choose a loan company that works hard to provide the best loans.

*Subject to responsible lending checks.

Get My Loan Today!

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 loan company that goes the extra mile to provide smart solutions, which is why we’re called Loansmart!

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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

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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.
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Make it easy

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

We keep you updated every step of the way, so you always know where you’re at with your application.
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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. Most of our team have personal loans too!

Get a fairer deal, faster from a loan company that cares

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No Hoop Jumping Required!

Loansmart provides professional 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
Get My Loan Today!

Loansmart is 100% New Zealand owned and operated Loan Company. We’ve been helping tens of thousands of Kiwis for over 10 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. Our Loan Company provides low cost lending with interest rates between 8.95% 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 a responsible and reliable 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.

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, 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 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.

Get A Free Loan Assessment

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 8.95%*

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

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

* Fixed interest rates range from 8.95% p.a. to a maximum of 29.95% p.a. on a minimum 6 months to a maximum 120 month term. Fees apply. 

Example: A loan of $10,000 over 60 Months at 9.95% has fees totaling $495 and a total repayment of $13,254.00 which equates to 60 monthly payments of  $220.90. This equates to an Annual Percentage Rate (APR) of 12.05%

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Getting a Loan

1. We are a NZ registered Financial Service provider – FSP Number 7461 and member of Financial Services Complaints Ltd – our FSCL Number is 617.
2. * Rates of 8.95% 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. Terms of 120 months only available on secured loans. Unsecured loans offer terms of up to 84 months.
3. You are protected by responsible lending laws. Because of these protections, the recommendations given to you about lending through Loansmart are not regulated financial advice.
This means that duties and requirements imposed on people who give financial advice do not apply to these recommendations. This includes a duty to comply with a code of conduct and a requirement to be licensed.
4.An establishment Fee of $195 to $495 will apply to loans through Loansmart where Loansmart is the lender. Brokered loans will have a broker fee charged which varies between lenders and will be discussed with you. These fees are added to your loan amount and paid to us by the provider unless you wish to pay direct.

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