My Loansmart consultant was empathic and compassionate to my needs. Took a day for the loan to get approved. I wish there were many more people like him around.”

- Rej
We Make It Easy
Rates From 9.95%*
We Say Yes More Often

Smarter Loans >>> Faster

Car Loans & Car Refinancing

Dealer lending is handled fast, and by a team that works hard to get you a great deal:

  • Over 500 perfect reviews!
  • No deposit required
  • Interest rates from 9.95%*
  • Helpful, hassle-free process
  • 1 – 2 hour approval and same day payout*

Getting a car loan or refinancing a car loan is quick and easy with Loansmart. We provide two options: secured and unsecured loans. Which is best for you depends on your loan amount and personal situation.

*Subject to responsible lending checks and lending criteria. 

Unsecured Car Loans

At Loansmart we focus on meeting your car finance needs, without making you jump through hoops!

  • Borrow up to $75,000 unsecured*
  • Spread your repayments over 6 months to 7 years*
  • No drawn-out bank process or tiresome paperwork

As a cash buyer, you can negotiate with the seller knowing your finance is sorted. You can buy from a dealer or privately through a site like Trademe or an auction.

What’s more, you decide what car you want to buy. You don’t need us to agree to your choice, so you’re well and truly in the driver’s seat!

*Subject to responsible lending checks and lending criteria. 

Get a fairer deal, faster from a professional team that cares

Once you’ve completed an application with Loansmart, you can sit back and let us take care of the process for you. We keep you in the loop and work fast, so you get your loan approved sooner.

Secured Car Loans

  • Borrow more than $75,000*
  • Interest rates from 9.95%*

For loans exceeding $50,000, we’ll likely need to use your car as security. The process is a little more involved, but we move fast to get your loan approved ASAP.

As part of the Loansmart service, we will check the ownership of the vehicle for you and make sure there is no money owing on it (or stolen). We also ensure that the car loan proceeds go to the right person and that once they receive the funds the vehicle is transferred to your name.

Once you find the car you want we just need to check it is ‘suitable’ for security purposes first (online checks). Once we give the “ok” you can tell the seller your ready to buy it!

If you’re struggling to meet our lending criteria, then using your car as security may be the easiest way to get approval. One of our Personal Loan Consultants will assess your application and explain your options.

*Subject to responsible lending checks and lending criteria. 

Car Loan FAqs

We treat your application confidentially and the only people who will see your application are Loansmart and any loan providers that we send it to.

Most definitely!  We thoroughly recommend getting pre-approved prior to purchasing your next vehicle. All pre-approvals last for 30 days giving you plenty of time to track down that bargain. If 30 days isn’t long enough we may just need a few things to renew your approval again.

We can normally assist if we know the circumstances. In most cases we can still help or we may require additional security. If you do not have the security required we may need to add a guarantor or joint borrower who can offer security for the loan. A guarantor will be responsible for the loan if you do not pay. A joint borrower would share the responsibility of repayments with you.

Yes we are able to finance vehicles bought privately, through Trademe, vehicle tender, auction or from a reputable vehicle dealer.

No. We are an independent financial services company who can arrange lending for customers using our loan providers. We have no association or interest in any motor vehicle dealers.

If the car is being used as security on the loan, then yes. You will need to have full/comprehensive insurance on the vehicle for as long as the car is securing the loan.

Smarter Loans >>> Faster

Car Loan Refinancing

Are you paying too much for your current car loan? We can also look at refinancing your existing vehicle loan if your current interest rate seems high. Call us today for a no-obligation quote on 0800 255 155 or use our online calculator to see what you could save.

To provide you with the best lending experience we


Move fast

Most loans can be approved and paid the same day*, so long as we have everything we need from you before 3pm.
*Subject to responsible lending checks and lending criteria.

Make it easy

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

Make it enjoyable

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

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.

In a hurry? Need approval now?


Applied elsewhere but been declined?

We may be able to help. There isn’t a lending situation we haven’t encountered and we can find solutions for most.

Loansmart can provide more options than other lenders. With more options, you have more chance of getting your loan approved.

We don’t just provide loans, but smarter lending solutions

With Loansmart we look at your entire lending situation, to try and find a better deal for you. Make sure you’re getting a fairer deal from a low-cost lender that cares.

Why Loansmart


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.

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.

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.

Longer Repayment Options

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

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.

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.

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.

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!

*Subject to responsible lending checks.