Quick fast and affordable loans! Loansmart explained everything perfectly and made the experience stress free!”

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

Smarter Loans >>> Faster

Blog and news

Stay tuned with the latest news, offers and tips from our passionate team of Personal Loan Consultants. Want to know something we haven’t already written about? Let us know and we’ll blog about it!

Debt Free Tips
Debt Consolidation

Debt Free Tips

One of the best debt free tips to clear up your overall debt is with a debt consolidation loan, one of our primary services. Our debt consolidation loans are specifically designed to get your debts in line, up to $30,000 where you roll it all into one easy to manage payment. Apply online, get sorted, and be on your way to becoming debt-free.

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Vehicle Finance by Loansmart
Car finance

Vehicle Finance

Get Driving Today – Whatever type of transport you need, our vehicle finance personal loan application process is easy and you can apply online right now in less than five minutes! We’re 100% online and your loan application can be submitted via any device 24/7, PC, laptop, tablet, or phone. If your loan is approved, we’ll transfer funds the same business day to your account!

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10 Ways To Prepare For a Job Loss While You’re Still Employed

In the current economic climate, plenty of New Zealanders are concerned about job loss. If you are worried that your job may be on the line, then it’s a good idea to take some steps now to prepare financially for the worst-case scenario. Here are 10 money moves that may help put you in a better position.

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Caveat Emptor

Caveat Emptor

Are you off shopping this long weekend and thinking about one of those interest-free deals you saw on TV or read in the paper?  Here is an article that is three years old posted in the Herald around the famous ‘Caveat Emptor’ saying (let the buyer beware).  It’s still relevant today about some of the traps associated with these interest-free deals out there.

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Live better with a debt consolidation loan
Debt Consolidation

Consolidate all your debts into one payment

With a debt consolidation loan, you’ll have better living and choices to focus on the things that really matter. By having one outgoing each month, you can live smarter financially and be well on your way to getting ahead.

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Cash drives a bargain
Car finance

Cash Drives a Bargain

Loansmart, your trusted finance partner. We’ve been in business for over 10 years and helped tens of thousands of Kiwi’s to date with personal loans  – you could say we’re experts in personal lending. When you go shopping for that car or another big-ticket item, have the cash ready to drive yourself a bargain.

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Get A Free Loan Assessment

Loansmart is a highly reputable finance 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 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 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 loans and 10 years for secured loans.

Faster Approval Process

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

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 $30,000 Unsecured & Up To $100,000 Secured

Borrow between $1,500 to $30,000 without having to provide security. 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 options for you. Get Loansmart!