Rating based on 7 reviews

Loan Smart

  • Bad credit loans up to $30,000
  • Low-interest starting from 8.95%
  • Repayment up to 5 years

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Loan Smart homepage
Author Loan Smart. Screenshot of Loan Smart website.
[Accessed March 6, 2023]

About Loan Smart

Choosing Loan Smart is a smart choice as you will be choosing a company that will work hard to provide you with the best loan for you, even if you were blacklisted or have a bad or no credit score.

They have been assisting clients with a variety of online loans in New Zealand since 2008. Loving what they do and treating their customers with the best service possible has resulted in over 25% of their lending is to existing clients, who come back to them over and over. This alone says a lot about them! A company that genuinely cares and goes the extra mile to get your loan approved while also taking the time to find better options for you.

Access smart solutions at Loan Smart

Whether you have a good, bad, or now credit score they will take your personal situation and goals into account when exploring your loan options. Get the best deal from a highly reputable company that has experienced lending specialists that will put in extra effort to get you exactly what you need. Unsecured loans can be paid back between 6 months and 5 years and secured loans can be paid back in up to 10 years. With Loan Smart, you can benefit from more options, more chances of getting your loan approved, better terms, fees, interest rates, and a team that cares.

Loan Smart Services

Loan Smart is a company that takes the time to find out why you have a poor credit score and will do everything they can to get you an affordable credit solution.

Their online loans team works hard to find solutions with faster approvals, lower interest rates, more finance options for more chances of success. A quick and easy online application process that will only take 2 minutes.

Car Loans access the car of your dreams

Get those wheels on the road with the option of an unsecured or secured loan. You can borrow up to $30,000 with a bad credit loan and repay it over 6 months to 5 years, or you can borrow more than $30,000 with a secured loan.  Fast approval and no drawn-out bank process or tiresome paperwork. You can also buy privately through Trademe or at an auction. But there’s more! You don’t need them to agree to your choice as they leave that completely up to you.

Become an owner of your desired property

Loan Smart has many years of experience in this field and they know all the avenues to mortgage finance. They offer bank alternative home loans, tiny home loans, and more options tailored to you, even tiny home builds.

Loan Smart – Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate 8.9529.95% p/a
  • Loan Amount up to $30,000
  • Repayment 6 months to 5 years

Benefits of Loan Smart

  • Speedy approval
  • Same day cash payout
  • Low-interest rates

Bad credit loan calculator

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

Personal Loans, flexible, easy to apply, bad credit welcome and online

Loan Smart has a variety of personal loans with rates starting at just 8.95%.

Whatever your requirements, they have a solution for every circumstance. They offer same-day loans, small cash loans, debt consolidation, wedding loans, home renovation loans, emergency loans, and more. The best part is that they will help you find a loan even if you have a less than perfect credit score.

How to apply for a bad credit loan with Loan Smart 

Step 1: Apply online in just a couple of minutes.

Provide them with a photo ID & online access to your bank statements. This is done quickly, securely, and easily.

Step 2: They will call to discuss your needs.

Step 3: After assessing your application they will shortly present you with options to choose from.

Step 4: You will then e-sign the loan documents if you want to proceed.

Step 5: Receive the funds on the same day!

Benefits of choosing Loan Smart 

  • Competitive and fair fees
  • Lower rates from 8.95%
  • Quick approval in one-two hour
  • Same-day cash transfers
  • Easy, 100% online or phone process
  • Friendly, experienced team
  • More options tailored to you
  • Solutions even with a bad credit score

Customer Reviews & Testimonials

May 2020

No one else was able to help me with a loan, but Loan Smart went the extra mile and got me the best deal!

Sam S
— Queenstown —

September 2019

Easy and fast! I definitely recommend Loan Smart.

Georgia D
— Auckland —

June 2020

They got me a better deal than anyone else I applied at! Great service.

Leila B
— Wellington —

Loan Smart Contact

Physical Address

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