Emergency Loans

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  • Fairer fees, lower interest rates
  • Rates from 9.95%*
  • Approval in 1 – 2 hours*
  • Same day payout*
  • Easy, 100% online or phone process
  • Friendly, experienced team
  • More options tailored to you

*Subject to responsible lending checks and lending criteria.

Emergencies Require Emergency Funds

Unfortunately, emergencies are a part of life and when they happen you often need to secure finance quickly.

In a financial emergency, people are less likely to shop around and more likely to take the first emergency loan they’re approved for. This may lead to them paying high interest rates and fees.

Payday loans, or loans from High Cost Lenders can cause more problems than they solve. They are not the solution! There is a better option. 

Loansmart Is Different

We are a low-cost lender that provides emergency loans fast. Anyone can apply for an online loan through us. Even if you have a low credit score, we may still be able to help you. Interest rates on our loans start at 9.95%* and we tell you exactly how much it will cost upfront. Additionally, our online personal loan calculator will give you an estimate of the costs before you apply, so you know exactly what to expect.

100% Fast Online Processing

Best of all we make applying for online emergency loans easy.

We Move Fast 

Most loans can be approved and paid the same day, once we have everything we need from you.

We Make It Easy

No need to scan and sign, fill in and upload lengthy documents. All we need is Photo ID and access to your bank statements (we make that super easy and secure too!).

We Make It Enjoyable 

We keep you updated every step of the way, so you always know where you’re at with your application.

We Make It Affordable

We work hard to find you the best deal we can. After all, we know what a difference those extra savings can mean. Most of our team have personal loans too!

What Are Emergency Loans?

Emergency loans are same day loans to help cover unexpected expenses that arise due to emergencies. Often any savings you have is not readily accessible, and it might not be enough. Emergency loans can provide quick financial relief in these types of situations. You can borrow up to $50,000 unsecured. Our most common emergency loan is $5,000 for $55 a week*. 

Emergency expenses include: 

When emergencies arise and time is of the essence, the last thing you want to worry about is securing funding or having to go through lengthy application processes. 

Loansmart emergency cash loans come with fair interest rates, an easy online application process, and a team of helpful staff to ensure you have one less worry to think about.

Save time and make it easy on yourself with Loansmart. 


How Do I Apply For Emergency Funds? 

It’s easy! Apply for a quick same day loan by 2pm and if approved the funds will clear that evening or the following morning. You can apply for an emergency loan on any device through our  online loan application form – it only takes three minutes! When applying just let us know your loan is for an emergency so we can prioritise your application, but we strive to get approval within 1-2 hours*.

What Are Your Loan Terms? 

We can offer urgent loans to those in employment with regular income deposited into their bank accounts; it is that easy! So long as you can meet your repayments.

Better still, even if you have a less than perfect credit score or even if bad credit, it won’t necessarily affect your loan eligibility. Need emergency funds but have bad credit or already have outstanding debts? We may still have options for you, learn more about our Bad Credit Loans and Debt Consolidation Loans

Our repayment terms provide you with a longer period too, starting at 6 months. An affordable time period for repaying your loan is vital to ensure you don’t put yourself under more stress. 

How Much Can I Borrow? 

You can borrow up to $50,000 for unsecured loans and up to $150,000 for secured loans. Our loan interest rates start from as low as 9.95%* and repayments can be spread over 6 months to 10 years. 

When Borrowing Money You Can Trust Loansmart

Since being in business for over 10 years, we’ve helped tens of thousands of Kiwis with quick loans – you could say we’re experts in personal loans. We offers a wider range of rates than other lenders, starting at just 9.95%*. Almost all of our customers return to us when they need more financing for things like purchasing a new vehicle, expanding their homes, or planning a vacation. Over 25% of our loans are to existing clients. It’s because our customers love what we do, and we love helping them. Still not convinced? Read our 100+ 5-star reviews! At Loansmart, we value our customers and go above and beyond to offer a fantastic service. We can provide a loan for almost any need, such as Emergency Loans, Debt Consolidation Loans, Bad Credit Loans, Wedding Loans, Car Financing, or even a Small Business Loan.

Still Have Questions? 

Our Loan FAQ has answers to our most commonly asked questions or you can give us a call on 0800 255 155. Our friendly and dedicated support staff will be glad to help you should you have any questions.