We had approached our bank multiple times and each time were disappointed that they were not able to assist us. Loansmart made it happen.”

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

Smarter Loans >>> Faster

Personal Loans

At Loansmart we focus on meeting your needs, without making you jump through hoops!

  • Rates from 8.95%* – 29.95%
  • Same day approval and payout*
  • Repayment options of 6 months – 10 years
  • Borrow up to $30,000 unsecured
  • Borrow up to $100,000 secured

Loansmart has been helping New Zealanders with their borrowing needs since 2008. Over 25% of our lending is to existing clients. This is because our clients love what we do. Taking out a personal loan is a big step. Talk to a team that cares and works hard to find you a great deal.

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

Don’t pay more than you need to and get more options up front. Apply for a loan online or call for a free 10-minute consultation.

In just one call we can handle mostly everything for you. We answer our phones right away, so you won’t be put on hold.

We want to help you

Our team genuinely cares and moves fast to find better options for you. Providing smarter loan solutions is what we do best. Pay down debt faster and affordably with 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? It’s quick and easy to apply. You can apply online or over the phone. We take care of everything for you, including sourcing your bank statements.

Loansmart offers a fast, professional lending experience. We’re renowned for providing smarter solutions, to help you save on costs.

So if you’re in need of a quick cash loan, car, home improvement or debt consolidation loan, talk to a team that moves fast to find the best options for you.

Smarter Loans >>> Faster

We can help you with



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Same Day

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Debt Consolidation Loans

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Home Improvement Loans

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Bad Credit

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Small Cash

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In a hurry? Need cash now?

  • We move fast to get your loan approved
  • We have a wider range of rate options than other lenders, starting at just 8.95%*
  • We take care of everything for you, including sourcing your bank statements so you don’t have to.

Prefer to apply over the phone?

We’re free to take your call now. Within 10 minutes you’ll have a good idea of what your options are, and we take care of mostly everything in one phone call.

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 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%*

*Subject to credit criteria and the credit profile of the applicant. Rates range from 8.95% - 29.95%.

Longer repayment options

From 6 months to 10 years; up to 5 years for unsecured loans and 10 years for secured loans.

Faster approval process

Provide us with photo ID and access to your bank statements online, and your loan can be approved in just 1 - 2 hours*

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 $30,000 unsecured and up to $100,000 secured

Borrow between $1,500 to $30,000 without having to provide security. 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 options for you. Get Loansmart!