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Awesome team to deal with. My loan was approved within an hour of me contacting them. No hassles, no delays.”

- Lorraine
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Find out what it will cost

How much can I borrow?

These payments are indicative only and calculated over a calendar year. Optional insurance and any establishment fees have not been included. All loan quotes are subject to: 1. Full application details, 2. Lenders conditions at the time of application and 3. Confirmation from a Loansmart representative.

Unsecured Loan Repayment Calculator

Want to know how much your weekly repayments will be? Try our quick and easy online loan repayment calculator. These repayments are for an Unsecured Loan and are indicative only. All loans are subject to full application, Lenders Conditions and confirmation from a Loansmart representative.

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Repayment Term Weekly Total Payable
12 months$0$0
24 months$0$0
36 months$0$0
48 months$0$0
60 months$0$0
72 months$0$0
84 months$0$0
  • Calculated at an example rate of 12.95% – our Annual Interest Rates (AIR) range from 9.95% – 35.50% with loan terms of 6 Months to 84 months.
  • Fee’s apply including a Lender Establishment fee of up to $215 and a Loansmart Fee of up to $995
  • Approval is subject to Lending Criteria, affordability assessment and confirmation from a Loansmart representative.
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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%

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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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