The people at Loansmart are super awesome .. it was so quick and easy to apply for a loan .. no problems at all .. if you need a loan you can't go past them!”

- Joseph
We Make It Easy
Rates From 9.95%*
We Say Yes More Often

In a hurry? Need cash now?

Small Cash Loans NZ

Give us a call. We move fast to get your small loan approved sooner.

  • Fairer fees, lower interest rates
  • Rates from 9.95%*
  • Approval in 1 – 2 hours*
  • Same-day payout*
  • Easy, 100% online or phone process
  • Friendly, experienced team
  • More options tailored to you

Loansmart provides smarter lending solutions. So if you’re in need of easy small loans, get the complete package from a team that genuinely cares.

*Subject to responsible lending checks and lending criteria.


How much cash do you need?

Many people apply for a small cash loan online of around $500 – $1,000, thinking that’s all they’ll be able to get. Yet we’ve found that a lot of our clients can borrow more to consolidate other higher interest debts therefore reducing overall loan repayments, saving money, and getting the funds they needed.

By borrowing a higher amount they may be able to:

  • Pay a lower interest rate
  • Pay off other high interest bills
  • Save on monthly fees
  • Lower their total repayments
  • Give themselves a bit of breathing room
  • And get the money they originally needed

Don’t pay more than you need to

If you have more than $1,500 in loans or credit card debt, get in touch with us for a Loan Assessment. Don’t pay more than you need to. Make sure you’re getting a fairer deal from a low cost lender that cares. Apply online today!

Do you already have a small Cash loan? What about a credit card?

If you have more than one loan, it’s likely you’re paying more than you need to in costs. Small loans over shorter periods typically attract higher interest rates and fees, so they can be more expensive.

If you’re continually having to top up your small loan or apply for new ones, a larger loan spread over a longer period may be better for you.

With Loansmart we have a low establishment fee and look at your entire lending situation, to try and find a better solution for you.

Smarter Loans >>> Faster

We don’t just provide Small loans,
but smarter lending solutions

To provide our clients with the very best lending experience we:

Move fast

Most loans can be approved and paid the same day*, so long as we have everything we need from you before 3pm.
*Subject to responsible lending checks and lending criteria.

Make it easy

No need to scan and sign, fill in and upload lengthy documents. All we need is Photo ID and recent 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.

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

Applied elsewhere but been declined?

We may be able to help. There isn’t a lending situation we haven’t encountered and we can find solutions for most. Loansmart can provide more options than other lenders. With more options, you have more chance of getting your loan approved.

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.