Rating based on 14 reviews


  • Short-term loans up to $10,000
  • Low-interest up to 800%
  • Repayment up to 60 months

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

Loansmart - A trusted financial partner

Loansmart has been a trusted financial services provider for years. It has been our pleasure in helping New Zealand citizens’ get their short-term loans and it is something we intend on doing for a lifetime.

We have amazing consultants who are trained to be empathetic instead of sympathetic. They will never leave you stranded during a difficult time.

We will do the best we can to ensure that you get a loan. If it is not possible, we will give you tips on how to improve your chances of getting your loan approved the next time you apply for it.

Adhering to the terms and conditions

Prior to having your personal loan approved, we will send you an agreement together with the terms and conditions for you to read.

It is imperative that you read and understand the loan as well as the inclusions. If you are not happy with some of our processes, you still have a chance to decline the loan.

However, if you are satisfied with everything stipulated in black and white, you can then sign everything and the money will be making its way to your bank account.

Many customers tend to bypass the process of making time to read the terms and conditions and that is not good.

Reading the necessities will give you a broader perspective of what is expected of you as a client and what is expected of us as your nominated lender. Everybody has an equal role to play in the credit process.

Loansmart Services

Our instant loan application takes less than 3 minutes to complete. Within such a short space of time, there would have been a lot you have completed. There is a section where you tell us a bit about yourself.

We don’t want to deal with strangers we don’t know. By telling us who you are, where you from, what you do at work and where you live, we already have an idea of the kind of person you are.

All the information that we gather is strictly confidential and will never be shared with anyone else or used for any other purpose but your loan application.

Documents assessment and verification

In order for your short-term loan to be approved quickly, you need to submit your documents after submitting your loan application. This way, we will electronic documents we have verify. We need to see if we are indeed dealing with the same person who submitted the loan application.

Clients often say we do this because we don’t trust them and that is not true. This merely part of the process and it is a step that can’t be bypassed. The sooner you submit your documents, the sooner we can proceed.

The pay-out will be made the same day

Once we have received everything and we are happy, we send the money to the bank account you have provided.

Depending on which bank you use and the time the online loan was approved, the money will be available in your bank account on the same business day or the next.

Loansmart – Short-term loan

  • Loan Type Short-term loans
  • Interest Rate 800%
  • Loan Amount up to $10,000
  • Repayment 6 months to 60 months

Benefits of Loansmart

  • Approval is the same day
  • Funds accessed the same day
  • Simple online application

Short-term 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 - The smart way to get a loan

Loansmart online repayment calculator

By using the calculator before you apply for a loan, you will have a better idea of how much money you are borrowing and how much you going to pay back including interest.

This has helped many customers who wanted to borrow large amounts of money without looking at the charges. We urge all our clients to make use of the online repayment calculator so that they know where they stand as far as their loan is concerned.

What documents do I need to send you?

As we always mention that the documents will differ from one client to the next. However, we usually require your ID, Driver’s license, bank statements and proof of address.

With these documents, we will assess your affordability. The last thing we want to do is to give you a loan you can’t afford to pay. We want to make things easier for our clients, not difficult.

How do I get my information to you?

Email is our best and preferred communication mode. The client can email all the papers we requested and we will reply via email also.

What happens after I have completed the loan application?

As soon as we receive your quick cash loan application, we will get to work. If there is anything we find that is out of the ordinary on your application, we will give you a call to explain to us.

If everything looks in order, we will proceed with approving your credit plan and ensuring that you get the money before the end of business day.

Who will see my loan application?

The loan application will only be seen by the consultants that are dealing with it. We will never share your information with anyone else. Everything we do at Loansmart is strictly private and confidential.

Customer reviews and testimonials

Every client we have helped has had only good reports to say about our services. This makes us feel really good and it motivates us to do even better.

Our short term loan services have helped a number of households, businesses and individuals and we couldn’t be happier.

man holding thumbs up

Loansmart is a trusted & reliable provider of short-term 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: FSP FS 7461

Customer Reviews & Testimonials

If you need to get a loan and you are needing the loan really quickly then look at the company here they will help you get the loan that you can afford.

Scott C
— Nelson —

My friend told me about the loan company when I found myself needing assistance to fix my car and they helped me with a loan that I have already paid back as they gave me the choice of how long I...

Dane H
— Wellington —

I got the loan that I needed and they have helped me in more ways than I can tell I will always be very grateful of them.

Lue W
— Queenstown —

Loansmart Contact

Physical Address

  • Level 4, 238 Broadway Newmarket 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 –