Very efficient, responsive, great customer service, positive attitude and an absolute professional! ”

- Aisake Kolone
We Make It Easy
Rates From 9.95%*
We Say Yes More Often

Smarter Loans >>> Faster

Loans Christchurch

  • Rates from 9.95%*
  • +400 5-Star Google reviews
  • 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)

Loansmart is highly reputable in the personal lending industry, we are loved, trusted and preferred.

If you’re looking for a loan in Christchurch, from a company that can arrange low-cost loans, we’re the team for you!

Consistently rated 5/5 on Google My Business, we go out of our way to provide 5-star service to each and every one of our valued customers. Check out our customer reviews.

*Subject to responsible lending checks & lending criteria


Outstanding Customer Service

More Options For More Chances Of Success

We provide Personal Loans to all types of borrowers in Christchurch. There isn’t a lending situation we haven’t encountered before and can provide solutions to most*. Our customers love what we do, and we love helping them too!

Our friendly loan consultants take the time to get to know you, and tailor solutions to meet your goals.

Better still, we move fast; hence our tagline – Smarter Loans >>> Faster.

*Subject to responsible lending checks & lending criteria

Types of Christchurch loans include



Apply Now!

Paying off
Credit Card Debt

Apply Now!

Cash Loans

Apply Now!

Home Improvement

Apply Now!

Debt Consolidation Loans

Apply Now!

Fast, Same Day
Cash Loans

Apply Vow!

Bad Credit

Apply Now!


Apply Now!

Highly competitive rates

In some cases the interest rates are lower than a bank, starting at just 9.95%.

The rate you’re offered will depend on your financial situation. Loansmart is a trusted bank alternative that makes it easy to get a Christchurch Personal Loan.

It only takes a couple of minutes to apply and you should have an answer within 1-2 hours* . Get your loan approved today!.

*Subject to responsible lending checks and lending criteria.


How easy is it to get a Christchurch loan?

As long as you have an income and can afford to meet your loan repayments, you should be able to get an online loan easily*.  We take the hassle out of applying for affordable loans with great customer service, and:

  • No face-to-face meetings
  • No forms to sign, scan and upload
  • No bank statements to print out, scan and email

Our application form takes just a couple of minutes and the entire process is handled online or over the phone.

*Subject to responsible lending checks and lending criteria.

Smarter Loans >>> Faster

You don’t even need a perfect credit score

Even if you have a bad credit score, we may still be able to help you with bad credit loans; although in some situations you may be required to provide security. The lending criteria of the NZ Lenders we use isn’t as stringent, and so many people who have had lending declined by another company are able to access funds through us.

Of course, this depends on your personal circumstances. Your Personal Loans Consultant will discuss options with you, so you know what to expect.

*Subject to responsible lending checks and lending criteria.

Our Process

How quick is the process?

1. Apply online in just a couple of minutes.

2. Provide us with a photo ID & recent bank statements. This is done online quickly, easily & securely.

3. We’ll call to introduce ourselves and discuss your needs.
4. We assess your application and find the best options for you.

5. 1-2 hours later* we present our options and you tell us which one you prefer.

6. Loan documents are sent through for you to be signed online.

7. Funds can be deposited into your account on the same day.

*Subject to responsible lending checks & lending criteria


Take control

Take control of your borrowing and get a better lending experience too.

At Loansmart we focus on meeting your needs, without making you jump through hoops! If you’re based in Christchurch and looking for a loan, you’ve come to the right place.

We do not provide payday loans, instead, we provide affordable loans to people with very diverse credit histories.

Our rates start at just 9.95%*, our loan process is simple and you could have a decision in just 1 – 2 hours*.

*Subject to responsible lending checks & lending criteria

Try Our Loan Calculators

We have three depending on your needs! Find out –

  • How much you could save with our Debt Consolidation Calculator
  • How much you could borrow with our Personal Loan Calculator and
  • How much your repayments would be

For a VIP Christchurch loan experience, apply online or give us a call! It costs nothing to get a quote.

Get A Free Loan Assessment

Loansmart is highly reputable in the personal lending industry and has been providing services since 2008. Our experienced lending specialists work hard to get you the best deal.

Benefit from fairer terms, fees, interest rates and a team that cares.