- Aisake Kolone
Smarter Loans >>> Faster
Personal Loans Christchurch
- 100% New Zealand owned and operated since 2008
- +1000 5-Star Google reviews
- Same-day approval and payout*
- Borrow up to $75,000* unsecured
- Borrow more with a secured personal loan (Property and/or Vehicles)
Unlock offers from 11+ lenders with one application.
Looking for a personal loan in Christchurch? Apply online in just a few minutes and let us do the running around. We’ll help you find a loan that fits your needs and budget. *Subject to responsible lending checks & lending criteria
Outstanding Customer Service
More Options For More Chances Of Success
Get a financial adviser in your corner
Finding a loan means weighing up more than the advertised interest rate. Fees, repayments and the length of the loan all affect what you’ll pay. With Loansmart, you have someone to work through those details with you. Your dedicated financial adviser will:
- Put your application forward to suitable lenders within our network.
- Compare available offers, including rates, fees, repayments and total cost.
- Explain the options in plain language.
Our nationwide team of financial advisers helps Christchurch borrowers access personal support wherever they are. Apply once and let us do the lender runaround.
More options. Less hassle. Someone in your corner.
*Subject to responsible lending checks & lending criteria
Types of Christchurch loans include
Personal
Loans
Paying off
Credit Card Debt
Emergency
Cash Loans
Home Improvement
Loans
Debt Consolidation Loans
Fast, Same Day
Cash Loans
Bad Credit
Loans
Car
Loans
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 Personal 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*. Our application form takes just a couple of minutes and the entire process is handled online or over the phone.
Get a free loan quote to find out what your repayments could look like and how much you would repay overall. Already have a loan? Request a free assessment to see whether we could find you a better option.
*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.
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 specialise in fast, fair, low-cost lending, backed by a team of accredited financial advisers. We’ve helped people through a wide range of credit situations and know where to look for options others may have missed.
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
Helping New Zealanders borrow since 2008
Loansmart is 100% New Zealand owned and operated, supporting customers across the country.
Loansmart Limited holds a Full Class 2 Financial Advice Provider Licence issued by the Financial Markets Authority, FSP #7461. We are also an Associate Member of the Financial Services Federation and a member of Financial Services Complaints Limited.
Our experienced lending specialists work hard to get you a great deal. Benefit from fairer terms, fees, interest rates and a team that goes into bat for you.
For a VIP Christchurch loan experience, apply online or give us a call! It costs nothing to get a quote.
They Came To Us For A Small Loan. This Is What Happened Next.
Behind on mortgage repayments. Declined by other lenders. Juggling debts that left little room in the weekly budget.
Our borrowers came to us with different challenges. Read how we helped them clear arrears, keep their homes, combine debts and lower repayments.