When life throws you an unexpected financial curveball or you need a boost to achieve your next big goal, having access to the right loan can make all the difference. For many, low-interest unsecured loans provide the perfect solution. At Loansmart, we’re here to ensure borrowing isn’t a burden but a thoughtful, smart choice.
With unsecured personal loans starting from just 11.95% and borrowing limits of up to $75,000, it’s easier than you think to get funds quickly, fairly, and affordably.
Why Choose A Low Interest Unsecured Personal Loan?
You’ve probably come across two types of loans in your search for credit: secured loans and unsecured loans. But what’s the difference?
Secured Loans
Secured loans require collateral, such as your home or car, as a guarantee against borrowing. This means that if you’re unable to make repayments, the lender may have the right to take the collateral to recover the owed amount. On the plus side, secured loans often come with lower interest rates because the lender’s risk is minimised.
Unsecured Loans
With unsecured loans, there’s no need to back your loan with an asset. Approval is based on your financial history and borrowing potential. While interest rates may be a bit higher compared to secured loans, the process is typically faster and more flexible. And the best part? Your assets remain safe.
At Loansmart, we’ve partnered with low-cost lenders to offer competitive unsecured loan rates.
Starting from just 11.95%, our loans are perfect for borrowers seeking affordability without sacrificing speed or convenience. Plus, we handle the process for you, saving you time and stress.
A Great Way to Lower Your Debt Costs
One reason to consider a low-interest unsecured loan is for debt consolidation. By combining multiple debts into a single manageable payment, you can simplify your financial life and reduce the stress of juggling multiple due dates and interest rates. With lower interest rates compared to typical credit cards or high-interest loans, a debt consolidation loan can save you money in the long run by reducing the total amount of interest you pay.
Additionally, consolidating your debt can improve your financial organisation, helping you focus on your other financial goals. This type of loan empowers you to take control of your finances with clarity and confidence, putting you on the path to a healthier financial future.
Loansmart: Smarter Loans, Faster
Here’s what sets Loansmart apart from the rest:
- Competitive Rates: Get one of the best-unsecured loan rates around, starting at 11.95%.*
- Generous Loan Limits: Borrow up to $75,000 without the need for collateral.
- Flexible Repayment Terms: Repay your loan over 6 months to 84 months, tailored to suit your budget.
- Fast Turnaround: Apply online in minutes, receive loan approval within 1–2 hours*, and potentially get same-day payout*.
- Hassle-Free Process: No drawn-out forms or back-and-forth with your bank. Our process is 100% online and stress-free.
*Subject to responsible lending checks and criteria.
How We Work
We do the heavy lifting so you don’t have to. Here’s how our simple and efficient process works:
- Apply Online: Complete our application in just 2 minutes.
- Provide Documents: Submit photo ID and recent bank statements securely via our online link. No need for printing or scanning.
- Quick Assessment: We assess your application and locate the best deal for you using our network of trusted low-cost lenders.
- Review Options: Within 1–2 hours*, we’ll present you with tailored loan offers. You pick the one that suits you best.
- Sign and Receive Funds: Loan documents are emailed to you to sign online. Once complete, funds could be in your account within hours.*
It’s that simple. And don’t worry—we assign you a Personal Loan Consultant who keeps you updated throughout the process, so there are no surprises.
*Subject to responsible lending checks and criteria.
The Benefits of Choosing Loansmart
When you select Loansmart, you’re choosing more than just a loan. You’re selecting a partner who values fairness, efficiency, and your financial well-being.
- We Work Hard for You: By tapping into our network of low-cost lenders, we find better deals that save you money on interest rates and fees.
- We Make Borrowing Easy: Forget lengthy forms or jumping through hoops. Our process is designed with simplicity in mind.
- We Care About You: Our team genuinely cares about your financial health. That means providing smart solutions that make repayments manageable and affordable.
- We’re Experienced and Trusted: With over 15 years of experience and countless 5-star reviews, we’ve helped thousands of Kiwis get smarter loans faster.
- We Are 100 Kiwi Owned: locals helping locals, that’s the Loansmart way!
Low Cost Lending Isn’t Just For High Credit Scores
Whether you’re planning a wedding, consolidating debt, renovating your home, or preparing for a big life event, an unsecured loan from Loansmart can help you achieve your goals seamlessly.
We believe borrowing should support your life, not restrict it.
Even if your credit history isn’t perfect, Loansmart may still be able to help by leveraging our extensive network of lenders, giving you access to more options and higher approval rates.
FAQ
At Loansmart, we strive to make the process as straightforward as possible. Your ability to access a low interest unsecured loan depends on a few factors, such as your credit history, income, and current financial situation.
Our supportive and experienced team is dedicated to finding a solution that works for you. We assess your application individually and work hard to match you with the best option without unnecessary hurdles or delays.
We understand that having bad credit can feel discouraging, but it doesn’t mean you’re out of options. At Loansmart, we take a holistic approach to reviewing your application, considering more than just your credit score.
Factors like your current income, financial stability, and ability to make repayments are all part of our assessment. While interest rates are influenced by credit history, our team is committed to finding the most competitive solution available for your situation.
At Loansmart, our interest rates on unsecured loans start from just 11.95%. The rate you’re offered depends on a number of factors, such as your credit history and existing debt. To find out more just complete our simple 2-minute online application form and a friendly member of our team will be in touch with you.
There are no restrictions on what you can do with an unsecured loan from Loansmart. This is one of the great advantages of unsecured loans compared to secured loans, which usually have conditions attached. Many of our customers use unsecured loans for debt consolidation, holidays, weddings, or home renovations. They’re good for pretty much whatever you want!
