Rating based on 22 reviews


  • Personal loans up to $50,000
  • Low-interest starting from 13.95%
  • Repayment up to 120 months

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Author Loansmart. Screenshot of Loansmart website.
[Accessed April 17, 2018]

Loansmart delivering an alternative to Kiwis

We were structured to deliver an alternative to New Zealand’s bigger banks and financial institutes that control the customer finance market.

Loansmart was set up to deliver an alternative to the big banks and finance companies that dominate the consumer finance market.

Although our extensive research it was established that the majority of clients would much rather do business with a small boutique finance institution, someone who truly take note of their needs and provides customer focused quick loans in a suitable manner.

We are committed to our clients

Our customers mean everything to us, without them we would not have a business, we are committed to treat our customers in a professional manner and ensure that they are well informed every step of the process up to the settlement of the personal loan.

We are proud of ourselves for the fact that we don’t put up with the bureaucracy which is generally related to the borrowing of money, we don’t act like a bank because we are not a bank, and our aim is to make your lending experience one to remember, as pain-free as possible.

We are also extremely proud to inform you that due to the great lending experience provided by us, each month about 30% of our business is made up of previous customers.

Professional team

From the time of our founding, we have been providing fast settlements, competitive rates, quick decisions, and excellent service to our customers.

It would be an honor if we could take this opportunity to look after your financial needs with our range of online loans.

We have a professional committed team of financial consultants and our hands-on management team is highly experienced in ensuring that your expectations are continually exceeded.

Loansmart Services

Once the online loan application has been completed, we will send you an email acknowledging that we have received your application, we will advise you on who your loan consultant will be and how you can be in contact with them.

Your personal loan consultant will commence the loan approval process, normally this will take one to two hours, and your personal consultant will be in contact with you should we have any queries that need clarification

Once your loan has been approved

Loansmart will arrange to get your loan documents signed and arrange for the collection of any outstanding information we may require such as your bank statement, payslip or identification or insurance details.

Note that there are several ways for your quick loan documents to be signed. Visit our centrally located Auckland office, we could courier or post them to you, in most cases email is normally the preferred way and lastly, you need to sign have the documents witnessed and return.

All applications are treated with confidentiality, the only people who will see your application are Loansmart and perhaps any finance company we send it to. Any applications that do not proceed are destroyed.

 More reasons why you should use Loansmart

It’s irrelevant if you choose to use your personal loan to go on a much needed holiday or if you want to consolidate your debt, we are here to help no matter what your need is. The finance solutions of Loansmart are quick, easy, effective and reliable; our personal loans are speedy and are flexible, Loansmart is also ready to tailor a suitable loan for you so that you can feel perfectly comfortable at all times.

To make things even more comfortable for you we will arrange a loan repayment plan according to your income status. You can choose to pay monthly, weekly or every fortnight depending totally on your income flow.

Loansmart – Personal loan

  • Loan Type Personal loans
  • Interest Rate 13.9529.95% p/a
  • Loan Amount up to $50,000
  • Repayment 6 months to 120 months

Benefits of Loansmart

  • Lower interest rates
  • Quick approval 
  • Same day payments

Personal loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

Loansmart - Straightforward loan services

We offer a straightforward online loan application process which is fast, our approvals are fast and our payouts are even faster.

Should you find yourself in a somewhat sticky situation as far as cash is concerned? Then our quick cash personal loan is ideal for you, you can also use the funds for any purchases or projects that need attention.

We have a responsible lending policy so as part of our service we have online calculators to assist you to with how much you can borrow and some sort of indication of what repayments will be.


We are a responsible lender and therefore we will need to identify you and make sure that you have the affordability on repayments on your personal loan.

You are requested to provide the following; a photo of your identity, such as a Passport or Driver license (you can text or email us a photo taken from your phone). We will also require confirmation of your income (generally this is requested by means of two months bank statements).

The above can be emailed to Loansmart or you can ask a consultant to send you the link for you to download your statements directly to us. Your Consultant will assist you through the process.

Do you have a poor credit rating?

Generally, we do assist but we will need to know what your circumstances are, in most cases we are able to assist, we may require extra security.

Should you not have the security we possibly will need to add a guarantor to the long or short-term loan. Please note that if you are unable to pay the guarantor will be responsible for the settlement of the loan.

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Loansmart is a trusted & reliable provider of personal loans

In our review, Loansmart adheres to the compliance criteria in accordance with the Credit Contracts and Consumer Finance Act 2003, where the granting the loan will not cause financial distress to the consumer.

Loansmart is a registered credit provider in New Zealand: FSP7461

Customer Reviews & Testimonials

Loansmart really is the smart way to get a loan. They offered me a personal loan that was personalised to my situation so it was affordable for me.

Ria D
— Auckland —

Having my own personal loan consultant was fantastic because I knew exactly who to contact whenever I needed anything and the response was very quick. I also appreciated having to deal with only ...

Corey R
— Porirua —

I’m so happy I decided to get a personal loan through Loansmart rather than going to the bank. The application was very easy and I was approved so quickly.

Mark G
— Upper Hutt —

Loansmart Contact

Physical Address

  • Level 4, 238 Broadway, Newmarket Auckland Auckland Region 1023 New Zealand
  • Get Directions

Postal Address

  • PO Box 28 231, Remuera, Auckland, 1541, New Zealand

Opening Hours

  • Monday 08:00 – 17:00
  • Tuesday 08:00 – 17:00
  • Wednesday 08:00 – 17:00
  • Thursday 08:00 – 17:00
  • Friday 08:00 – 17:00
  • Saturday Closed –
  • Sunday Closed –