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Get On Top Of Debt

Get expert tips on tackling debt. Reduce your interest costs, repayments, and build a cushion. Learn how other successful borrowers have transformed their finances and made debt manageable.

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Get On Top Of Debt

Spotlight on Debt Consolidation: The Smith Family

Are you finding it difficult to keep track of multiple loan payments? If so, you’re not alone. With the current economic climate leading to more and more people taking out loans to cover basic living costs, having multiple loan balances can be overwhelming.

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March 10, 2023

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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 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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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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