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!

Loans and general personal loan finance
Personal Loans

Loans Loans Loans

Personal loans from Loansmart is finance borrowed that is paid back in line with the frequency of your pay period, which can be weekly, fortnightly, or monthly, over a maximum five-year loan term at an interest rate that is fixed for the term of the loan.  all our loans are specifically tailored to each applicant.

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Special Occassions Loans
Special Occasions

Loans for Special Occasions

Planning for those special occasions and events such as a family reunion, wedding, anniversary or significant birthday celebration is an exciting time. Finding the perfect wedding dress, an anniversary present you know your partner will love or securing an ideal venue can make all the planning and organisation worth it.

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Car finance

Fresh Finance

Sometimes we need a clean slate, a ‘fresh finance’ start – this is where one of our debt consolidation loans, up to $30,000 is perfect for this. Or you might just need some fresh finance to get a new car to get to where you need to go on a daily basis – our car loans will…

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Emergency Finance

Unexpected Happens Have you been hit with an unexpected expense? Here at Loansmart, we know that stuff happens that you didn’t plan for, so that’s

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Personal Loans

Finance Companies

When you get a loan with Loansmart you’re dealing with one of New Zealand’s preferred finance companies.  We’re trusted by over 500 borrowers every month. We take pride in helping thousands of people yearly with their financial requirements.

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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!