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Loansmart

Fees and Interest Rates

Your Personal Loan Consultant will help to arrange a loan option for you based on your needs & goals. The rates & fees applicable are based on multiple factors which we will cover below:

1- Interest rates start from 9.95%, these are set by the loan provider when they approve the application.

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. This fee is up to 5% of the loan amount plus $245, to a maximum of $995 for unsecured loans (GST exclusive). For secured loans the calculation is the same, but the maximum fee is $1995 (GST exclusive)

3- The Loansmart fee will be notified to you before you enter into a loan. The fee can be added to the new loan that is being arranged, or paid directly to us before the funds are advanced.

Other websites that can assist you with borrowing money:

If you have any queries with regards to the above, please contact us on 0800 255 155 or email enquiries@loansmart.co.nz.

Get A Free Loan Assessment

Loansmart is highly reputable in the personal lending industry and has been providing services 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.

How much could you save?

Why Loansmart

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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 personal loan approved.
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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.
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Interest Rates From 9.95%*

Our competitive personal loan rates range from 9.95% - 35.50%. *Subject to credit criteria and the credit profile of the applicant.
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Longer Repayment Options

With loan terms from 6 months to 84 months, tailored to your needs.
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Faster Approval Process

By providing us with your photo ID and recent bank statements online, your personal loan application could be approved in just 1 - 2 hours. *Subject to responsible lending checks and lending criteria.
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Same Day Payment*

*If you complete the online contract and any additional steps before the end of the day, then funds can be paid to your account. Depending on your bank, you may receive the funds that day or the next morning.
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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.
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Borrow up to $75,000 Unsecured or more with a Secured Loan

The amount you can borrow and whether or not security is required is subject to standard lending criteria. We can use property (Caveat) or motor vehicles as security on a loan to increase the loan size, rates and terms.
Get the complete package from a team that genuinely cares, and works hard to provide better loan options for you. Get Loansmart!
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8:30am - 5pm, Monday to Friday
0800 255 155

See FAQs

Click here for answers to our
commonly asked questions

*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 10.95% has a Loansmart fee of $745 totalling weekly repayments of $53.72*. The total amount payable is $13,967.70. This equates to an Annual Percentage Rate (APR) of 14.23%

*Lender establishment fee, monthly admin fee & any optional insurances are variable so not included.

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Getting a Loan

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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