- Andrew
What’s your financial wellbeing score?
Take Our 2-Minute Quiz
Financial wellbeing isn’t just about how much money you earn. It’s about whether your income, savings and debt repayments leave you feeling financially secure.
Answer Yes or No to the questions below.
Give yourself 1 point for every “Yes”.
Your Financial Wellbeing Score
0–3 points — You’re in a strong position.
Your finances appear to be relatively healthy. Continue building your emergency savings and review your loans regularly to ensure you’re still getting competitive rates.
4–7 points — Your finances may be under pressure.
Some aspects of your financial situation could be improved. Reviewing your debts and household budget may help improve your cash flow.
8–12 points — It’s worth getting advice.
Your repayments or financial commitments may be placing unnecessary pressure on your budget. A review of your existing loans could identify opportunities to improve affordability.
13+ points — You’re likely experiencing significant financial stress.
Your answers suggest that debt repayments or everyday expenses may be affecting your financial wellbeing. Seeking advice early can help identify options before the situation becomes harder to manage.
You’re Not Alone
If money stress is affecting your life, you’re not alone. Loansmart has helped thousands of New Zealanders reduce financial pressure, ease the burden of unaffordable repayments, and start feeling more in control again.
Watch the stories below to see how we’ve helped real clients in different financial situations, from covering urgent car repairs through to managing $70,000 in mortgage arrears. You may see a scenario similar to your own. And if you don’t, that’s okay too. Every situation is different, and our team will take the time to understand yours.
Whether you need to reduce repayments, consolidate debt, catch up on arrears, or simply understand your options, Loansmart can help you find a practical way forward.
Watch real client stories, call our team, or apply online today for a free loan assessment.
Get A Free Loan Assessment
Loansmart is a highly reputable company that’s been lending since 2008. Our experienced Personal Loan Consultants work hard to get you the best deal.
Benefit from fairer terms, fees, interest rates and a team that cares.
Why Loansmart
We Say Yes More Often
More Options Tailored For You
Interest Rates From 9.95%*
*Subject to credit criteria and the credit profile of the applicant.
Longer Repayment Options
Faster Approval Process
*Subject to responsible lending checks and lending criteria.
Same Day Payment*
100% Easy, Online Process
