Low Interest Loans

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Great Low Interest Loans

NB, we do not offer short term loans, all Loansmart low interest loans are for terms of six to sixty months.

Our current interest rates range from 13.95% APR (Annual Percentage Rate) to a maximum APR (Annual Percentage Rate) of 29.95%. The rate offered will depend upon your credit history, security offered and your overall credit profile, all rates are fixed for the term of the agreement.

Typical low interest loans example: $3,000 loan through Loansmart would be as follows:

Loan Amount $3,000
Establishment Fee $295
Weekly Admin Fee $3.46
Payments over 24 months @ 13.95% $39 per week
Total cost payable over 24 Months $4154.88

Whatever finance needs you have, we’ll probably be able to help you out.

Most of our loans are processed the same day we receive the applications (Monday morning if you apply over the weekend) and with Internet banking being so efficient as it is, many of our clients receive their funds within just a few hours after applying.

What do you need money for?

  • A new set of wheels, car, motorcycle, scooter – other transport
  • Emergency finance for dental or vet bills
  • Education finance for better employment opportunities
  • Debt consolidation loan (one of our specialties)
  • Holiday, honeymoon or wedding to plan loan
  • Moving home loans, moving truck etc and bond loan
  • Home Improvements and DIY jobs around the house
  • Funeral funding, when you need to contribute
  • None of our business loans…  That’s right, as long as you can pay the loan back, we don’t really need to know what you need the cash for, i.e. a cosmetic procedure for example, well that’s definitely private 🙂

Apply Today – our online loan application takes less than five minutes.


Apply Now

Recent Customer Feedback

An easy application form that I completed on my phone.  Couldn’t be easier” – John T.

You guys rock, I am so grateful for your help.  My mum’s tangi was beautiful and just the way she would have liked it” Miriama A.

Thank you so much – I’ve got my car fixed to get to work.  You guys are incredible” – Maxine K.

Low Interest Loans
Low Interest Loans

Frequently Asked Questions

Of course, with any fast approval loan application, you may have some questions.

On our FAQ’s page, you can get answers to the following:

  • What do I need to send to you?
  • How do I get my information to you?
  • What if I have a poor credit rating or defaults?
  • What happens once I have completed the Application?
  • You have approved my loan, what happens now?
  • How do I get my information to you?
  • What happens once I have signed everything?
  • Who will see my application?
  • I can’t find the answer to my query?