Short Term Loans

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Short Term Loans

6 Months – Short Term Loans

Our short term loans can be for a minimum of 6 months right through to 5 years.

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, it can be done online right now – use our fast 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.

How much can you borrow?

To start with, complete your online loan application NZ, 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.

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

Personal loan security?

If your loan application needs to be secured by an asset such as a motor vehicle, house, or another valuable asset. In some cases, we can use your personal chattels (household contents). Loan security helps you attain more favourable rates and fees for your loan.

Below are some options you can consider for loan security.

1. Cars & other vehicles

Any car or other vehicle you wish to pledge as loan security will need to be a 1997 model or newer, with a current registration and warrant of fitness. You must not owe money on the vehicle.

2. Homes & property

At Loansmart, we can look at the difference between the value of your property and the outstanding mortgage payments you still owe the bank.

3. Other assets

Other assets can sometimes be used. If you only have household items, consider one of our unsecured loans instead.

4. Aid from a guarantor

If you don’t have anything you can pledge as loan security by yourself, you can partner with a guarantor to provide it for you.

Brilliant application process and service, thanks Loansmart – thanks. Jane B.

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. If you don’t have an asset to pledge as security, we’re happy to work with you to provide an unsecured loan. Depending on the loan purpose, you may also be interested in a Debt Consolidation 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 five-minute loan application form and six to sixty-month repayment terms! 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.

Apply Online

Short Term Loans by Loansmart
Short Term Loans by Loansmart