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 NZ

At Loansmart we focus on meeting your needs, without making you jump through hoops! If you’re looking for Personal Loans NZ choose a lender that offers:

  • Rates from 8.95%* – 29.95%
  • Same day approval and payout*
  • Repayment options of 6 months – 10 years
  • Unsecured personal loans up to $30,000
  • Secured personal loans up to $100,000

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. Same day loans are our specialty, so apply for a loan before 2pm and cash could be in your account the same day or next morning. 

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 personal loan 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. Talk to a team that moves fast to find the best options for you. 

Smarter Loans >>> Faster

We can help you with



Find out more

Same Day

Find out More

Debt Consolidation Loans

find out more

Home Improvement Loans

Find Out More


Find out more


Find out More

Bad Credit

find out more

Small Cash

Find Out More

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.

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 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.

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%*

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

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 application could 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 & 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!