-Ihaka Hema
We say yes more often
EMERGENCY LOANS
Emergency Loans in times of need.
- Fairer fees, lower interest rates
- Rates from 9.95%*
- Approval in 1 – 2 hours*
- Same-day payout*
- Easy, 100% online or phone process
- Friendly, experienced team
- More options tailored to you
*Subject to responsible lending checks, lending criteria and loan amount.
Fast Emergency Loans NZ Wide
Emergencies require emergency funds. Unfortunately, emergencies are a part of life and when they happen you often need to secure finance quickly. Out of desperation a lot of people apply for the first emergency loan they can find which is often accompanied by high repayment fees and hidden costs.
High-interest payday loans cause more problems than they solve. They are not the answer! Loansmart emergency loans come with fair interest rates and affordable repayments.
Smarter Loans >>> Faster
LOANSMART IS DIFFERENT
We arrange loans with low-cost lenders that provide fast loans to people with a range of credit scores. Even if you have a poor credit score, you may still be able to get a same day loans through us.
Our loan interest rates start from as low as 9.95%* and we let you know upfront how much your loan will cost. Plus, you can use our personal loan calculator to work an estimate of the costs before you apply.
To provide you with the very best lending experience
We Move
fast
*Subject to responsible lending checks and lending criteria.
We Make it easy
We Make it enjoyable
We Make it affordable
Get a fairer deal, faster from a professional team that cares
WHAT ARE EMERGENCY LOANS?
Emergency loans are Same Day Loans taken out to help cover unexpected expenses that arise due to emergencies.
They are a type of Personal Loan. Often any savings you have is not readily accessible, and it might not be enough. Emergency Loans can provide quick financial aid in these types of situations. You can borrow up to $75,000 unsecured, or more with a secured loan.
Learn how to create an emergency fund, so you are better prepared to deal with life’s curveballs.
Emergency expenses include
- Dental Loans
- Medical Expenses
- Vet Finance
- Funeral Loans
- Car Repair Loans
- House Repairs
- Bond Loans
When emergencies arise and time is of the essence, the last thing you want to worry about is securing funding or having to go through lengthy application processes. Save time and make it easy on yourself with Loansmart.
HOW DO I APPLY FOR EMERGENCY FUNDS?
It’s easy! Apply for a quick Personal Loan by 1pm and if approved the funds will clear that evening or the following morning*. You can apply for an emergency loan on any device through our online loan application form – it only takes three minutes! When applying just let us know your loan is for an emergency so we can prioritise your application, but we strive to get approval within 1-2 hours*.
*Subject to responsible lending checks and lending criteria.
WHAT ARE YOUR LOAN TERMS?
We can provide urgent Personal Loans to those in employment and who have regular income paid into their bank account; it’s really that simple!
Better still, even if you have a less than perfect credit score or even if bad credit, it won’t necessarily affect your loan eligibility. Need emergency funds but have bad credit or already have outstanding debts? We may still have options for you, learn more about our Bad Credit Loans and Bad Credit Debt Consolidation Loans.
Our repayment terms provide you with a longer period too, starting at 6 months. An affordable time period for repaying your loan is vital to ensure you don’t put yourself under more stress.
Smarter Loans >>> Faster
HOW MUCH CAN I BORROW?
You can borrow up to $75,000 for unsecured loans and more with a secured loan. Our loan interest rates start from as low as 9.95%* and repayments can be spread over 6 months to 7 years.
*Subject to responsible lending checks and lending criteria.
WHEN BORROWING MONEY YOU CAN TRUST LOANSMART
We’ve been in business since 2008 and helped tens of thousands of Kiwi’s to date with our quick loans – you could say we’re experts in personal lending.
With a range of loan providers, we offer a wider range of eligibility criteria than other lenders. Rates start at just 9.95%*.
The majority of our customers actually come back for another loan when they need another round of financing. This could be any reason like upgrading a car, doing a house extension, planning a holiday and more.
5-star reviews
Many of the loans we arrange now are to existing customers. This is because our customers love what we do, and we love helping them. Still not convinced? Read our 500+ 5-star reviews!
At Loansmart we truly value our customers and make every effort to provide a quality user experience. So if it’s Emergency Loans, Debt Consolidation Loans, Bad Credit Loans, Wedding Loans, Car Loans, or even Small Business Loans you’re after – our services can cover almost any loan requirement.
STILL HAVE QUESTIONS?
Our Loan FAQ’s have answers to our most commonly asked questions or you can give us a call on 0800 255 155.
Our friendly and dedicated team will be glad to help you should you have any questions.
Why Loansmart
We Say Yes More Often
More Options Tailored For You
Interest Rates From 9.95%*
*Subject to credit criteria and the credit profile of the applicant.
Longer Repayment Options
Faster Approval Process
*Subject to responsible lending checks and lending criteria.
Same Day Payment*
100% Easy, Online Process
Borrow up to $75,000 Unsecured or more with a Secured Loan
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.
