0800 255 155
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“
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
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We Make It Easy
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Rates From 8.95%*
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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? Interest rates are at record lows, 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.

Get My Loan Today!

How much could you save?

Give us a call or fill in an application form. 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 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

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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 loan approved.
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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.
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Interest rates from 8.95%*

*Subject to credit criteria and the credit profile of the applicant. Rates range from 8.95% - 29.95%.
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Longer repayment options

From 6 months to 10 years; up to 5 years for unsecured loans and 10 years for secured loans.
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Faster approval process

Provide us with photo ID and access to your bank statements online, and your loan can be approved in just 1 - 2 hours*
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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.
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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.
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Borrow up to $30,000 unsecured and up to $100,000 secured

Borrow between $1,500 to $30,000 without having to provide security. 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 options for you. Get Loansmart!
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Need help with your Personal Loan?

Get in touch today!

Call Us

8:30am - 5pm, Monday to Friday
0800 255 155

See FAQs

Click here for answers to our
commonly asked questions

* Fixed interest rates range from 8.95% p.a. to a maximum of 29.95% p.a. on a minimum 6 months to a maximum 120 month term. Fees apply. 

Example: A loan of $5,000 over 24 Months at 9.95% has fees totaling $495 and a total repayment of $6442.56 which equates to 24 monthly payments of $268.44 including the monthly admin fee.

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Getting a Loan

We are a NZ registered Financial Service provider – FSP Number 7461 and member of Financial Services Complaints Ltd – our FSCL Number is 617.

*Rates of 8.95% subject to lending criteria and eligibility. 1 hour approval and same day payout subject to the applicant meeting our lending criteria and supplying all the information we need to process their application. Terms of 120 months only available on secured loans. Unsecured loans offer terms of up to 60 months.

© Loansmart Limited
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