I highly recommend Loansmart...fast, easy, honest, polite guidance which resulted in me being approved. The whole process was less than a day.”

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

Smarter Loans >>> Faster

Same Day Loans

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

  • Quick and easy loan application process
  • Fast approval and payout
  • Borrow up to $50,000 unsecured
  • Helpful, professional team

Do you need money today? Are you looking for instant loan approval? Loansmart can provide Same Day Cash Loans*, Small Cash Loans, Personal Loans and Emergency Loans to those in employment who have regular income paid into their bank account; it’s really that simple.

*Subject to responsible lending checks.

Smarter Loans >>> Faster

How quick is the process?

1. Apply for an quick loan in just a couple of minutes.
2. Provide us with a photo ID & online access to your bank statements. This is done quickly, easily & securely.
3. We’ll call to introduce ourselves and discuss your needs.
4. We assess your application and find the best options for you.

5. One hour later* we present our options and you tell us which one you prefer.

6. Loan documents are sent through for you to e-sign.

7. Funds are deposited into your account the same day*.

*Subject to responsible lending checks.

Same Day Loan FAQs

A Same Day Loan is a Personal Loan, approved and paid the same day*. Many people search for Same Day Loans when they need a Fast Cash Loan, Instant Approval Loan, or Emergency Loan. But really any loan approved and paid out the day you apply is a Same Day Loan.

*Subject to responsible lending checks.

Pretty much anything you need additional funds for! Loansmart offers many types of loans including: Small Cash Loans, Home Renovation Loans, Weddings Loans, Car Loans and Emergency Loans.

Simply fill in an online loan application form before 2pm on a business day and, if approved, the funds will be deposited into your account that day. Our online application process only takes a couple of minutes. We will need proof of income and identification in order to proceed with your application, but we make it super easy to do this.

The sooner you apply during the day, the better. Applications are processed in the order in which they are received. Some days are busier than others, so it pays to get to the top of the queue by applying first thing! As soon as your loan is approved, funds are deposited into your account. How quickly you have access to funds depends on who you bank with. It could be straight away, or the next day.

Yes! We offer a range of finance options including Bad Credit Loans and Debt Consolidation Loans. Our lending criteria is more inclusive than a bank loan. So if you’ve been told ‘no’ before, we may still be able to help. A lot of people apply for bad credit only to find their credit is not that bad at all! If you are unsure about what your credit score is, checkout this helpful guide on How To Check Your Own Credit Score.

The maximum loan amounts you can borrow are $50,000 for unsecured loans, and $100,000 for secured loans. However, the actual amount you can borrow depends on your personal financial situation. Try our Personal Loan Calculator to get an estimate of how much you can borrow.

How much you can afford to repay is a key factor in the amount you’re approved for. We’ll use your income and outgoings to assess your affordability ranking. There are lots of handy online budgeting tools you can use to determine what you can afford to repay yourself. Check out this cool online resource from Sorted.

The minimum loan repayment term available is 6 months, while the maximum available is 5 years for unsecured loans. For secured loans the maximum loan term extends to 10 years. For a detailed breakdown of fees and conditions, please refer to our terms and conditions.

Yes! You can complete a joint application. If your joint discretionary income is higher than your individual income, this can help your chances of success.

Every time you apply for a loan, a credit check is completed. Details of those checks are kept on file for around four – five years. If you are applying for many loans in a short period of time, this can negatively impact your score. This is because it could indicate that you’re applying for more credit than you can afford to repay. You can learn more about what impacts credit scores on the Government’s consumer protection website.

The key thing to remember is this – when applying for a loan, it’s vital to choose the right Loan Company. Here are three factors to consider when deciding which lender to choose.

1. Choose a low cost lender. High-cost loans can impact your credit score. Loansmart is a low cost lender. The maximum amount we charge in annual interest rates is 29.95%. But our lowest interest rate is 8.95%.

2. Choose a reputable lender. Loansmart is trusted and preferred by tens of thousands of clients across NZ. More than 25% of our lending is to existing clients, this is because they trust us to provide great solutions. Having been in business since 2008, we’re proven, experienced and extremely good at what we do! Review our 5-star Loan Reviews on Google My Business.

3. Choose a lender that can provide more options, for more chances of success. You’ve got a good chance of getting your loan approved with us. With more options than other lenders, and a more inclusive acceptance criteria, we say ‘yes’ more often.

Remember, every time you apply for a loan a credit check is completed. So it helps to apply with a company that’s more likely to be able to find you a solution, so you don’t have to keep applying!

Smarter Loans >>> Faster

More options tailored to you

Once we have a good understanding of your personal situation and goals, we start to explore options. We look outside the box and go the extra mile to provide smarter solutions, which is why we’re called Loansmart! We’ve built our reputation on providing faster finance and fairer finance.

To provide you with the best lending experience we


Move Fast

Most applications get instant approval and are paid the same day*, so long as we have everything we need from you before 3pm. *Subject to responsible lending checks.

Make It Easy

No need to scan and sign, fill in and upload lengthy documents. All we need is Photo ID and access to your bank statements (we make that super easy and secure too!).

Make It Enjoyable

We keep you updated every step of the way, so you always know where you’re at with your application.

Make It Affordable

We work hard to find you the best deal we can. After all, we know what a difference those extra savings can mean. Most of our team have personal loans too!

Get a fairer deal, faster from a professional team that cares


Personal Loan Consultant

You’ll be assigned a Personal Loan Consultant who will walk you through the process to ensure there are no delays getting the money to you. Helpful, professional and fast – we jump through hoops so you don’t have to!

But we don’t stop there, your Personal Loan Consultant will be with you throughout the duration of your loan. If you have any questions, or your circumstances change, just give them a call on 0800 255 155.

Don't Pay More Than You Need

Loansmart is a highly reputable finance company that’s been lending since 2008. Our experienced lending specialists work hard to get you the best deal. Benefit from fairer terms, fees, interest rates and a team that cares.

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 8.95%*

Our competitive personal loan 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 personal loans and 10 years for secured personal loans.

Faster Approval Process

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

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 $50,000 Unsecured & Up To $100,000 Secured

Borrow between $1,500 to $50,000 without having to provide security. Personal 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 loan options for you. Get Loansmart!