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!

Moving Forward

Rental Bond Loans

Do you need to get into some new accommodation but don’t really have enough to put the bond together and then find the money for moving and the upfront weeks in advance?

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Personal Loans

Short Term Finance

Our short term loans can be for a minimum of 6 months right through to 5 years.  Of course, sometimes you just need help for a very brief time, so it makes sense to borrow only what you need and only for how long you need.

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Loansmart - Moving you forward
Car finance

Grab a Loansmart Loan today!

Bills piling up? Time for a break? Car needs an upgrade? Grab a personal loan from Loansmart – friendly, fast and efficient – making finance easy!

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Get in Shape!

With warm weather right around the corner, you might be thinking about dropping a few kilos or getting in better shape. But transitioning from winter’s bulking season to summer shorts and bikinis can be a challenge.

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Secured Loans – v – Unsecured Loans

Let’s talk about unsecured loans first – this is when there’s no need for you to provide any security or collateral for a loan. Normally the amount you can borrow is less and the interest rate charged is slightly higher than a secured loan.

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Quick Loans NZ
Personal Loans

Quick Loans NZ

Whatever financial need you have, our quick loans are available now, online – apply anywhere in NZ on any device. What do you need some finance for? Apply online today, get approved and the funds will be paid to your bank account that day!

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Fast Cash Loans
Personal Loans

Fast Cash Loans

Same day fast cash loans are available following your application with the cash deposited to your account within hours of being approved. Plus our intuitive application form is open 24 hours every day, all day, seven days a week.  

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Outdoor Living
Home Improvements

Outdoor Living

Spring is here and summer is just around the corner so it’s time to start thinking about your outdoor living spaces and getting them ready for these wonderful seasons. So talk to us today, we can finance your ideas for a wonderful outdoor living areas.

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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%*

*Subject to credit criteria and the credit profile of the applicant. Rates range from 8.95% - 29.95%.

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 can 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 and 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!