Getting a loan in New Zealand can feel like a bit of a mission. Between paperwork, credit checks, and waiting around for someone to say yes, it’s enough to make anyone throw in the towel. But that’s where Loansmart flips the script. We’re all about smarter loans, faster approvals, and real people helping you get the financial boost you need without the drama.
Here’s exactly how Loansmart makes getting a loan in NZ easier than ever.
1. It Starts with a 2-Minute Application
Yup, you read that right—two minutes! That’s all it takes to apply online with Loansmart. After that, we’ll be in touch to get some more info from you and get to work matching you with a lender.
You don’t need to dig through drawers for paperwork or scan and upload a stack of documents. Everything is 100% online, and super straightforward. No hoops. No fluff.
Once your application is in, you can get a response in as little as 1-2 hours*. Same-day payments? Totally possible. When we say we move fast, we mean it.
2. No Hoop Jumping Required
Unlike traditional banks that make you tick every box, jump through a bunch of hoops, and wait days for a response, we keep things easy. You don’t need to scan bank statements or sign anything in person. Our whole process is built to be hassle-free.
Need cash quickly? We get it. Whether it’s for an emergency, a car fix, or just to cover bills, we work quickly to get you sorted. Loansmart is about reducing stress, not adding to it.
3. Smarter, Fairer Loan Options
We don’t just throw you into one loan and call it a day. We work with several low-cost lenders to get you the best options out there. You’ll see multiple offers and repayment plans, so you can pick what suits you best. We guide you through it too, helping you make the smartest call based on your situation.
From small personal loans to bigger secured options (up to $150,000!), we’ve got flexible terms—like paying your loan back over 6 to 84 months. Whether you’re borrowing $5k or $50k, we’ll help you find a smarter, more affordable way to do it.
4. We Actually Care
It’s not just about getting the loan—it’s about making sure it works for you long term. We’ll help you avoid high-interest traps and unnecessary fees, and we’ll tailor your loan to match your income and goals. We want you to win with your money, not fall behind.
Our team genuinely wants to help people. And we mean that. We look at your whole financial picture and give advice that actually helps, not just what’s easiest for us.
Perhaps you’re thinking: “Nice words, but can you back it up?” Yes, we can! Loansmart is an associate member of the Financial Services Federation. We were the first loan broker to join the FSF, demonstrating our commitment to protecting the interests of borrowers while offering them more options.
5. Bad Credit? No Problem
If your credit score’s not looking flash, that doesn’t mean the door’s closed. We specialise in helping Kiwis who’ve been turned down elsewhere. With our network of lenders, there’s often still a smart option available—even for bad credit car loans or debt consolidation loans.
What does this look like in real life? This is how we helped Emma.
After the sudden loss of her father, Emma was overwhelmed by funeral costs, mortgage arrears, and overdue bills. Rejected by mainstream lenders due to past defaults, she turned to Loansmart.
Using the equity in her home, our team structured a secured loan that consolidated over $40,000 in debt and reduced her weekly repayments by $100. With her finances back on track, Emma is now in a position to refinance with her bank soon—proof that smart, tailored lending solutions can make all the difference.
6. Loads of Lenders, One Easy Application
Instead of shopping around on your own, Loansmart does the legwork for you. Our wide network of lenders means you’ll get to compare interest rates, repayment options, and more—all from one application. More lenders = more chances of approval and better offers to choose from.
You don’t need to waste time going from site to site or filling out multiple applications. We bring the options to you.
7. 5-Star Service All the Way
We’re not just saying it—our customers really rate us. Loansmart has a five-star reputation for being fast, helpful, and just downright good at what we do. Since 2008, we’ve helped thousands of Kiwis get access to the money they need, and many of them come back again and again.
You’ll get a friendly, professional team that keeps you in the loop from start to finish. No chasing. No ghosting. Just good service and honest advice.
Want proof? Check out our 700+ 5-star reviews!
8. We Keep It Real and Simple
Loansmart is here to take the hassle out of borrowing. We offer smarter loans, faster service, and more options—tailored to you. No unnecessary forms. No long waits. No judgment.
So if you need a loan and want a team that’s fast, fair, and actually cares, Loansmart’s the way to go. One quick online application is all it takes to get started.
*Subject to responsible lending checks and criteria.
How to Get a Loan Through Loansmart in 5 Simple Steps
Step 1: Apply Online in Just 2 Minutes
Visit loansmart.co.nz and complete our short online application form. No scanning, no paperwork, no appointments — it takes just two minutes.
Step 2: We Match You With Multiple Lenders
We’ll review your application and send it to our trusted lender network. This gives you more chances of approval and better loan options to choose from.
Step 3: Choose the Loan That Suits You
You’ll receive one or more loan offers. We’ll help you compare the options and choose what works best for your situation.
Step 4: Get Approved (Fast!)
Many of our clients are approved in as little as 1 hour.* We handle the legwork and keep things moving quickly.
Step 5: Receive the Funds
Once approved, the money is paid directly into your account — sometimes on the same day.*
Smarter loans >> Faster.
Ready to make a smart move?
*Subject to responsible lending checks and criteria.
