- RP
Smarter Loans >>> Faster
Personal Loans
- Rates from 9.95%*
- Same-day approval and payout*
- Repayment options of 6 months – 84 months
- Up to $75,000* with an unsecured loan
- Borrow more with a Secured Loan (Property and/or Vehicles)
- Easy online loan application process
Taking out a Personal Loan is a big step, but we have been helping Kiwis with their Personal Loan needs since 2008. No matter your needs, we can help you fund them! We believe everyone deserves access to fair, low-cost loans, that’s why we work to get you the best deal possible on your loan from our loan providers.
Loansmart is trusted to provide an excellent online service. This is why we have so many returning customers – our clients love what we do!
*Subject to responsible lending checks and lending criteria.
GET A FAST PERSONAL LOAN THAT’S FAIRER TOO
- Choose a repayment plan that works for you
- Benefit from lower interest rates and fees
- Pay debt down faster and save on loan costs
- Set yourself up for success
- More options for more chances of approval
WE WANT TO HELP YOU
Our team genuinely cares and moves fast to find better Personal Loan options for you. Providing smarter loan solutions is what we do best. Pay down debt faster and affordably with low establishment fee, lower fees and interest rates. Get more options from a team that cares. Locking you into a cycle of high interest, fees and debt is not what we’re about. We want to help you get into a better financial position, with money to make life more comfortable.
Smarter Personal Loans
Looking for a better loan solution?
A Personal Loan can be a great way to reach your goals faster, or if you find yourself in need of some extra cash. Whether you’re in need of a new car, house renovation or your dream wedding, Personal Loans enable you to turn your dreams into reality.
Better still, we make it easy without the usual loan processing bureaucracy, hassle and red tape that comes with applying through a bank. We use a wide range of loan providers which means we’re more likely to say yes!
Unlike traditional loans, with Loansmart it’s all online. There is no need for face-to-face appointments or tedious paperwork. You don’t have to worry about printing out bank statements, scanning and emailing them through.
We have a short & free application form to apply. If you prefer having someone to talk to, our friendly staff are available to take your call on 0800 255 155.
Loansmart offers a fast, professional loan experience. We’re renowned for providing smarter solutions, to help you save on loan costs. Talk to a team that moves fast to find the best options for you and provides you with a VIP experience.
It’s quick and easy to apply. You can apply online or over the phone. We then help you with the next steps of providing Photo ID & Bank Statements securely online.
Apply for a Personal Loan online before 1 pm and cash could be in your account the same day or the next morning* – it’s that simple!
*Subject to responsible lending checks.
Personal Loan Fees, Interest Rates & Loan Terms
As with any form of loan you will pay fees and interest on any amount borrowed. Loan costs vary depending on your current financial situation, credit history, total loan amount and repayment period. Loansmart provide access to low-cost lenders with competitive interest rates starting at just 9.95%*. Once approved, your loan amount, interest rate, loan term, repayments and fees are confirmed before you choose to proceed – there is no cost to apply.
The Personal Loan repayment terms we can offer vary as we want to ensure you are set up for repayment success. The minimum loan term available is 6 months, and the maximum is 84 months. Having access to longer loan terms can result in a lower repayment amount to give you that extra buffer when creating your budget.
Choosing the right company for your Personal Loan can be quite the headache! That’s why we try to make the process simple so you can focus on getting your funds sorted sooner. Loansmart has an online loan calculator, to help you get an estimate on your loan before you apply.
Types of personal loans
Our customers apply for Personal Loans for a wide range of reasons. The most popular loan purposes we encounter are Car Loans, Wedding Loans and Debt Consolidation Loans. These are just a fraction of the types of loans we offer, others include:
Smarter Loans >>> Faster
We can help you with
Car
Loans
Same Day
Loans*
Debt Consolidation Loans
Home Improvement Loans
Business
Loans
Wedding
Loans
Bad Credit
Loans
Small Cash
Loans
*Subject to responsible lending checks.
In A Hurry? Need funds Now? EMERGENCY LOANS
We understand emergencies happen and when they do you need finance sorted fast. That’s why we offer emergency loans so you can get the funds you need ASAP.
We prioritise all emergency loan applications we receive so you can be assured you end up at the top of the queue. Our online loan application form only takes 3-minutes to complete so you don’t have to worry about tedious paperwork.
Prefer to apply over the phone?
We’re keen to talk. Within 5 minutes you’ll have a good idea of what your options are, and we take care of mostly everything in one phone call.
Personal Loan FAQs
Personal loans is a term used to cover a wide variety of loans. You can use your Personal Loan for pretty much any ‘personal’ reason so long as it’s legal! You receive a lump sum payment to cover expenses or purchases. Common uses are – emergency loans, wedding loans, car loans, home renovation loans, and holidays. You can even use a personal loan to consolidate debt into one, typically more affordable, loan. This type of personal loan is called a debt consolidation loan.
If you are borrowing up to $50,000, you may not need to provide security. Whether or not you need security will depend on your financial circumstances. The majority of our loans are unsecured. If you do require security your Loan Consultant will discuss this with you. Typically we can use late model cars as security, or homes.
We can normally assist if we know the circumstances. In most cases we can still help or we may require additional security. This type of loan is typically referred to as a bad credit loans or, as we like to refer to them – Second Chance Loans. There are many reasons people end up with a poor credit score, and sometimes it’s due to situations beyond their control. We understand this and work hard to find affordable solutions that work for each client. If you have poor credit, it’s important to choose a company with a team that is empathetic and will take the time to listen to your story. That’s us! We help hundred’s of people each week who have less than favourable credit ratings obtain finance. We’ve been doing it a long time and we are very good at it!
There are essentially 7-steps to loan application success! The great news is we take care of 4 of them for you. All you need to do is apply for a loan online, and provide us with Photo ID & recent bank statements securely online. Learn more about How To Apply For A Personal Loan.
We treat your application confidentially and the only people who will see your application are Loansmart and any loan provider that we send it to.
You can email or text a photo of your ID to us. No need to print, scan or upload your bank statements. We simply send you a link that authorises us to view your statements online. This is done easily and securely. Your Personal Loan Consultant will go through this with you.
Please contact us on 0800 255 155.
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
