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Smarter Loans >>> Faster
To provide the very best Loan experience we
Move fast
Make it easy
Make it enjoyable
Make it affordable
Get a fairer deal, faster from a company that cares
Loans can be approved in one to two hours*. If you have any questions, or need help just give us a call on 0800 255 155
*Subject to responsible lending checks and lending criteria.
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.
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?
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.
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
More Options Tailored For You
Interest Rates From 9.95%*
*Subject to credit criteria and the credit profile of the applicant.
Longer Repayment Options
Faster Approval Process
*Subject to responsible lending checks and lending criteria.
Same Day Payment*
100% Easy, Online Process
