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“

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

- Tamara

We Make It Easy

Rates From 9.95%*

We Say Yes More Often

Category: In the News

Name: Loansmart
Address: 33 Broadway, Newmarket, Auckland, 1023, New Zealand
Telephone: 0800 255 155
Price range: $1,000 to $50,000 in loans
Rating: 5

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!

How much time do you spend thinking about money at work?

In the midst of a daily grind, it can be easy for the mind to wander. From wondering what you can do with your weekends…

March 16, 2023

430,000 Kiwi’s Are Behind On Credit Repayments

That’s a lot of people who have fallen behind on their personal loan, car, credit card or mortgage repayments…

March 15, 2023

11.9% of New Zealanders are reported to be behind on credit repayments

With major economic events pushing the cost of living higher and recent weather disasters causing disruption to many lives…

March 13, 2023

In New Zealand, personal loans are in high demand

The New Zealand personal loan market is facing a surge in demand. In August, Centrix reported a 10-month high in personal loan borrowing, with more than $500 million in new loans.

January 31, 2023

Is it harder to get a Fast Cash Loan these days?

A change in NZ credit laws has put borrowers under greater scrutiny in the last three months. How has this affected the fast cash loan market?

March 3, 2022

NZ loans are becoming harder to obtain these days

The NZ loan market is about to undergo another significant shakeup, that will impose restrictions on how lenders advertise from December 2021.

January 18, 2022

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*Annual Interest Rates (AIR) range from 9.95% p.a. to 35.50% p.a. with loan terms of 6 months to 84 months. Fees apply.

Example: A loan of $10,000 over 60 months at 12.95% has a Lender Establishment Fee of $215, a Loansmart fee of $745 and a weekly payments of $57.33. The total amount payable is $14,906.36. This equates to an Annual Percentage Rate (APR) of 17.12%

Getting a Loan

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Loansmart Limited is an Associate Member of the Financial Services Federation, we support and promote responsible behaviour when providing financial services to New Zealanders. Here are links to the Responsible Lending Guidelines and The Code of Responsible Borrowing.

1. Loansmart Limited (FSP #7461, trading as Loansmart) holds a Full Class 2 Financial Advice Provider Licence issued by the Financial Markets Authority to provide financial advice, and is a member of Financial Services Complaints Ltd, our FSCL Number is 617.

2. It is free to complete an application with Loansmart. A fee to use our service is only applicable when you enter into a loan arranged by us.

3. *Rates of 9.95% are 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. We do not offer “short-term” loans, the terms offered by our providers range from 6 months to 84 months.

4. Annual Percentage Rate (APR): Also known as the ‘comparison rate’, the APR is calculated by adding together the AIR plus any additional fees that may apply (like establishment fees charged by providers). New Zealand law does not require APR disclosure, but doing so can better highlight borrowing costs.

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