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 9.95%*
We Say Yes More Often

Smarter Loans >>> Faster

Personal Loans

At Loansmart we focus on meeting your needs, without making you jump through hoops! If you’re in need, we can arrange loans from our providers who offer:

  • Rates from 9.95%*
  • 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)
  • Easy online loan application process

Taking out a Personal Loan is a big step, but we have been helping Kiwis with their Personal Loan needs since 2008. No matter your needs, we can help you fund them! We believe everyone deserves access to fair, low-cost loans, that’s why we work to get you the best deal possible on your loan from our loan providers.

Loansmart is trusted to provide an excellent online service. This is why we have so many returning customers – our clients love what we do!

*Subject to responsible lending checks and lending criteria.


  • 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
  • More options for more chances of approval

Don’t pay more than you need to and get more options up front. Apply for a Personal Loan free online or call our team to chat about your situation and ask any questions you have before proceeding. In just one call we can handle mostly everything for you. We have real people ready to talk to 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 low establishment fee, 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?

A Personal Loan can be a great way to reach your goals faster, or if you find yourself in need of some extra cash. Whether you’re in need of a new car, house renovation or your dream wedding, Personal Loans enable you to turn your dreams into reality.

Better still, we make it easy without the usual loan processing bureaucracy, hassle and red tape that comes with applying through a bank. We use a wide range of loan providers which means we’re more likely to say yes!

Unlike traditional loans, with Loansmart it’s all online. There is no need for face-to-face appointments or tedious paperwork. You don’t have to worry about printing out bank statements, scanning and emailing them through.

We have a short & free application form to apply. If you prefer having someone to talk to, our friendly staff are available to take your call on 0800 255 155.

Loansmart offers a fast, professional loan experience. We’re renowned for providing smarter solutions, to help you save on loan costs. Talk to a team that moves fast to find the best options for you and provides you with a VIP experience.

It’s quick and easy to apply. You can apply online or over the phone. We then help you with the next steps of providing Photo ID & Bank Statements securely online.

Apply for a Personal Loan online before 1 pm and cash could be in your account the same day or the next morning* – it’s that simple!

*Subject to responsible lending checks.

Personal Loan Fees, Interest Rates & Loan Terms

As with any form of loan you will pay fees and interest on any amount borrowed. Loan costs vary depending on your current financial situation, credit history, total loan amount and repayment period. Loansmart provide access to low-cost lenders with competitive interest rates starting at just 9.95%*. Once approved, your loan amount, interest rate, loan term, repayments and fees are confirmed before you choose to proceed – there is no cost to apply.

The Personal Loan repayment terms we can offer vary as we want to ensure you are set up for repayment success. The minimum loan term available is 6 months, and the maximum is 84 months. Having access to longer loan terms can result in a lower repayment amount to give you that extra buffer when creating your budget.

Choosing the right company for your Personal Loan can be quite the headache! That’s why we try to make the process simple so you can focus on getting your funds sorted sooner. Loansmart has an Online Loan Calculator,  to help you get an estimate on your loan before you apply.


Our customers apply for Personal Loans for a wide range of reasons. The most popular loan purposes we encounter are Car Loans, Wedding Loans and Debt Consolidation Loans. These are just a fraction of the types of loans we offer, others include:

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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*Subject to responsible lending checks.


In A Hurry? Need funds Now? EMERGENCY LOANS

We understand emergencies happen and when they do you need finance sorted fast. That’s why we offer Emergency Loans so you can get the funds you need ASAP.

We prioritise all Emergency Loan applications we receive so you can be assured you end up at the top of the queue. Our online loan application form only takes 3-minutes to complete so you don’t have to worry about tedious paperwork.

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

If you are borrowing up to $50,000, 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 company with a team that is empathetic and will take the time to listen to your story. 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 Photo ID & recent bank statements securely online. 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 loan provider 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 Personal Loan 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 personal 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 9.95%*

Our competitive personal loan rates range from 9.95% - 35.50%.
*Subject to credit criteria and the credit profile of the applicant.

Longer Repayment Options

With loan terms from 6 months to 84 months, tailored to your needs.

Faster Approval Process

By providing us with your photo ID and recent bank statements online, your personal loan application could be approved in just 1 - 2 hours.
*Subject to responsible lending checks and lending criteria.

Same Day Payment*

*If you complete the online contract and any additional steps before the end of the day, then funds can be paid to your account. Depending on your bank, you may receive the funds 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 $75,000 Unsecured or more with a Secured Loan

The amount you can borrow and whether or not security is required is subject to standard lending criteria. We can use property (Caveat) or motor vehicles as security on a loan to increase the loan size, rates and terms.
Get the complete package from a team that genuinely cares, and works hard to provide better loan options for you. Get Loansmart!
*Subject to responsible lending checks.