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 8.95%*
We Say Yes More Often

Smarter Loans >>> Faster

Car Loans & Car Refinancing

Fairer lending handled faster, and a team that works hard to get you a great deal

  • 100’s of 5 Star reviews
  • No deposit required
  • Interest rates from 8.95%*
  • 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 personal situation.

*Subject to responsible lending checks.

Unsecured Car Loans

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

  • Borrow up to $50,000 unsecured
  • Spread your repayments over 6 months to 5 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 privately through 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!

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

Once you’ve applied for a loan 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 $50,000
  • Interest rates from 8.95%*

For loans exceeding $50,000, we’ll 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 check the vehicle ownership for you to make sure there is no money owed (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.

The car needs to be ‘acceptable’ to us first, and so you do need pre-approval before purchasing.

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 Loan Consultants will assess your application and explain your options.

Car Loan FAqs

We treat your application confidentially and the only people who will see your application are Loansmart and any Finance Company that we send it to. All applications that do not proceed are securely destroyed.

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.

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 to the loan. The guarantor will be responsible for the loan if you do not pay.

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, and have no association or interest in any motor vehicle dealers.

Yes, you need to have full insurance on the vehicle as it is security for the loan. We can help arrange this for you if required.

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*, once we have everything we need from you. *Subject to responsible lending checks.

Make it easy

No need to scan and sign, fill in and upload lengthy documents. All we need is Photo ID and access to your 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. Most of our team have personal loans too!

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 8.95%*

Our competitive personal loan rates range from 8.95% - 29.95%. *Subject to credit criteria and the credit profile of the applicant.

Longer Repayment Options

From 6 months to 10 years; up to 5 years for unsecured personal loans and 10 years for secured personal loans.

Faster Approval Process

Provide us with photo ID and access to your bank statements online, and your personal loan application could be approved in just 1 - 2 hours. *Subject to responsible lending checks.

Same Day Payment*

If you e-sign your loan documents by 3pm on a business day, we’ll deposit funds in your account the same day*. Depending on your bank, you’ll receive cash 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 $50,000 Unsecured & Up To $100,000 Secured

Borrow between $1,500 to $50,000 without having to provide security. Personal Loans of up to $100,000 can be secured using a caveat or second mortgage. We can also use vehicles as security, so long as they’re in good condition.
Get the complete package from a team that genuinely cares, and works hard to provide better loan options for you. Get Loansmart!