Short Term Loans & Finance

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Our short term loans can be for a minimum of 6 months. Sometimes you just need help for a very short time, and it makes sense to borrow only what you need and only for how long you need.

If you need one of our short term loans, you can apply online right now using our easy application page to get started.

A personal loan can be a great way to pay for the things you need today or to secure a better deal on a larger investment by paying cash upfront. Personal loan rates and terms can be tailored to suit your individual needs. With a fixed interest rate and no unexpected charges, you can budget confidently, knowing the total loan amount you prepared for won’t change on you. You can even schedule your repayment dates to align with the arrival of your salary or wages in your bank account.

  • Rates between 8.95%* – 29.95%
  • Unsecured loans & secured loans available
  • Loan decision in 1 – 2 hours* 
  • Same-day payment

How much can you borrow?

To start with, complete your online loan application, and then our Loansmart team will assess your ability to meet your loan repayment amounts and any collateral you’re able and willing to pledge to secure your loan. You can borrow up to $30,000 unsecured and $100,000 secured.

Additionally, if you wish to see how your weekly payments will add up, and how rates and fees will accumulate over time, check out our personal loan calculator!

Is a Personal Loan not what you’re looking for?

If a personal loan doesn’t fit your requirements, Loansmart also offers several other available options that may better suit you. Depending on the loan purpose, you may also be interested in a Debt Consolidation Loan or Car Loan. We can also offer second mortgages if the amount you need to borrow exceeds our personal loan threshold.

Get more with a loan from Loansmart!

Available throughout New Zealand, Loansmart offers fast approval with our 3-minute loan application form! Our 100% online loan application can be submitted via any device at any time. Once your application is approved, we’ll transfer your funds the same business day so that you can put your new cash to work for you.

To get started with one of our short term loans or longer-term finance, click the apply online button and a dedicated Loansmart lending consultant will be in touch with you soon after receiving your application.