Great work only took one day to sort it, Awesome!”

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

We say yes more often


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


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

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.

We 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!).

We Make it enjoyable

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

We 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.

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


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

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. 


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.


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


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.


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.


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

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.