Loansmart went above and beyond to help me and were very friendly and helpful. A weight has been lifted off my shoulders and it's life changing, I cannot thank them enough.”

- Teresa
We Make It Easy
Rates From 8.95%*
We Say Yes More Often

Smarter Loans >>> Faster

Debt Consolidation Loans

  • Do you have more than one loan?
  • Are you looking for solutions to reduce your lending costs?
  • Would you like to pay down debt faster, more affordably?

A debt consolidation loan is where we take all your loans including credit cards, and put them all together in one easy to manage loan. By having one larger loan over a longer period, instead of multiple short term loans, you can 1. Reduce your fees, 2. Reduce your interest rates, and 3. Reduce your repayments.


Get the best loan for you

With Loansmart we look at your entire lending situation, to try and find a better deal for you. If you’re concerned you may be paying too much on your current loans, talk to us today on 0800 255 155.

We can help you achieve your goals more affordably.

Don't Pay More Than You Need

Loansmart has been helping New Zealanders with their borrowing needs since 2008. Our clients love what we do, and we love helping them too. 

  • Get a repayment plan that works for you
  • Set yourself up for success, not failure!
  • Pay debt down faster and save on loan costs

With only one payment to make each time that you’re paid, budgeting is easier and you can save on fees and interest rates.

  • Take control of your debt with one easy payment 
  • Pay off all overdue bills
  • Lower your fees and interest rates

Debt Consolidation FAQs

We like to do this properly which means we take all of your debts and consolidate them into one loan which is in sync with when you get paid.

Not only is consolidating your debts into one loan easier, if can save you money too! 

Consolidating your debts can not only reduce your fees, but also reduce interest rates on your loan and reduce your repayments. See how much you could save with our online Debt Consolidation Calculator

Yes, we require settlement figures that have a valid settlement date and bank account details. We then pay your debts directly to the other lenders and ensure any security they hold is removed.

In most cases we can get some cash for you also; it all depends on your security value and your affordability.

We can normally assist if we know the circumstances. In most cases we can still help or we may require additional security. 

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.

Easy payment plan

Don’t pay more than you need to and get all your options upfront, so you can make the best decision for you. Talk to a team that works hard to provide better lending solutions.

Smarter Loans >>> Faster

How much could you save?

Give us a call or fill in an application form. In just 10 minutes we can give you a good indication of how much you could save. We take care of everything for you, including sourcing your bank statements so you don’t have to.

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.

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!

Get a fairer deal, faster from a team that cares


Are you concerned about your financial situation?

It costs nothing to give us a call. In around 10 minutes you’ll have a good idea of your options and what we can achieve for you. Talk with a team that genuinely cares and works hard to:

  • Get your loan approved faster
  • Provide you with more options
  • Find you a great deal

Save On Fees & Interest Rates

Don’t Pay More Than You Need To. Save On Fees & Interest Rates.
We Can Show You How.

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 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 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 loans and 10 years for secured loans.

Faster Approval Process

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

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 $30,000 Unsecured & Up To $100,000 Secured

Borrow between $1,500 to $30,000 without having to provide security. 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 options for you. Get Loansmart!