Personal Loans NZ

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 and holiday loans, car loans, home renovation loans.  You can even use a personal loan to consolidate existing debt into one, typically more affordable, loan. This type of personal loan is called a Debt Consolidation Loan. 

If you are borrowing up to $30,000, 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 Loan Company that’s empathetic, will take the time to listen to your story and not pass judgement. 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 access to your bank account. You don’t need to print out any forms. We simply send you a secure link. 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 Finance Company that we send it to. 

Just give us a call. Our team of experienced and helpful consultants will talk you through the process. We answer our phones super fast, so you won’t have to wait. Give us a call now on 0800 255 155

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 Consultant will go through this with you.

Please contact us on 0800 255 155