Loansmart went above and beyond to help me and were very friendly and helpful. A weight has been lifted off my shoulders and it's life changing, I cannot thank them enough.”

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

Smarter Loans >>> Faster

Get A Free Loan Assessment

Are you getting the best deal?

Could you be paying more than you need to? The range of rates & fees on the market in New Zealand vary so much, so it pays to have your loan assessed. You may be able to secure a lower rate than what you’re currently paying, and save on fees.

If your financial situation has changed, it’s also good to have a loan assessment. Interest rates are also based on your credit score and personal circumstances. So if that’s improved for you, you could pay less.

How much could you save?

Give us a call or fill in an application form for free. In just 10 minutes we can give you a good indication of how much you could save.

We take care of everything for you, including sourcing your bank statements securely online so you don’t have to.

Get A Free Loan Assessment

Make sure you’re not paying more than you need to on fees and interest rates. Get a loan assessment with Loansmart.

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 $50,000 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!