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

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

We say yes more often


Emergency Loans in times of need.

  • Fairer fees, lower interest rates
  • Rates from 8.95%*
  • 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.


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!

Smarter Loans >>> Faster


We are a low-cost lender that provides fast loans to people with diverse credit scores. Even if you have a poor credit score, you may still be able to get same day loans through us.

Our loan interest rates start from as low as 8.95%* 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


100% Fast Online

Best of all we make applying for online loans easy.

We Move

Most fast loans can be approved and paid the same day*, once we have everything we need from you. *Subject to responsible lending checks.

We 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!).

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. Most of our team have personal loans too!

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 $50,000 unsecured.

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.

Loansmart emergency cash loans come with fair interest rates, an easy online application process, and a team of helpful staff to ensure you have one less worry to think about.

Save time and make it easy on yourself with Loansmart.


It’s easy! Apply for a quick Personal Loan by 2pm 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.


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 $50,000 for unsecured loans and up to $100,000 for secured loans. Our loan interest rates start from as low as 8.95%* and repayments can be spread over 6 months to 10 years.


We’ve been in business for over 10 years and helped tens of thousands of Kiwi’s to date with our quick loans – you could say we’re experts in personal lending.

We offers a wider range of rates than other lenders, starting at just 8.95%*.

The majority of our customers actually come back for another loan when they need another round of financing like upgrading a car, doing a house extension, planning a holiday and more.

5 stars reviews

Over 25% of our lending is to existing clients. This is because our customers love what we do, and we love helping them. Still not convinced? Read our 100+ 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 has answers to our most commonly asked questions or you can give us a call on 0800 255 155.

Our friendly and dedicated support staff 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 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!