Rating based on 26 reviews



  • Debt consolidation up to $20,000
  • Low-interest starting from 13.95%
  • Repayment up to 5 years

In-page navigation

Loansmart homepage

Author Loansmart. Screenshot of Loansmart website. [Accessed September 6, 2021]

About Loansmart

The factors which make Loansmart finance solutions different include the quick lending process, the competitive interest rates and the superb customer service.

We are a boutique finance company offering personal loans which are perfectly tailored to the needs of our customers. We know what New Zealanders want and we deliver. This is our philosophy.

We are different from the big banks

We have eliminated the bureaucracy associated with traditional lending. We have made our debt consolidation loans easily and quickly accessible. Our customers are our top priority. When you come to us, we will work with you individually to provide a loan which is perfectly suited to your circumstances, budget and lifestyle.

Our team of professional consultants and experienced managers ensures that the needs of every client are fully met.

Loansmart Services

Loansmart is a finance company dedicated to serving clients in the best possible way.

If you have rising debt, we can help by providing a competitive and easily manageable debt consolidation loan. You will have sufficient cash to pay off all outstanding balances on credit cards, personal loans, overdrafts, hire purchases and other credit facilities. As a result, you will have a single payment to make weekly, monthly or fortnightly.

Reduce the amount you pay towards your debts

This payment can be made significantly smaller to give you a more flexible monthly budget. Our quick loans have competitive interest rates and customisable repayment structure. We have made them as fast as possible as well through our advanced application processing system. You can make the first step towards debt consolidation by making an online loan application on our website.

Loansmart Consolidation loan

  • Loan Type Debt consolidation
  • Interest Rate 13.95 – 29.95% p/a
  • Loan Amount up to $20,000
  • Repayment 6 months to 5 years

Benefits of Loansmart

  • Easy online loan application
  • Flexible loan options
  • Get fast approval

Loansmart has the best debt consolidated loans to ease your financial burdens

Searching for a fast and simple approach to secure your loan at a remarkable rate? There are times when you just require finances straight away and sitting tight a week for the bank to give back your call is basically impossible.

One Loan to cover all of your outstanding debts

When you are searching for debt consolidation loans in New Zealand that are speedy and aggressively competitive, depending on the nation's first decision – Loansmart. Debt Consolidation – one simple loan to cover all your debts, with only one single instalment each month. We can offer you a solution to those overwhelming costs and amounts due each month.

Free up a little more cash at the end of each pay cycle

You may feel like there is no window of hope at the end of each month. You may even be struggling to make ends meet, and have no cash left in your bank account by the time you have paid all your debts and instalments off after your wages are paid. This is stressful, and also unnecessary. We make it possible to pay off your accumulated debts, with one single personal loan. Now you only have to pay back one single instalment and may have a lot more money left at the end of the day to spend on things that matter.

Working with you on a one-on-one basis

By offering our customers focused estimating on secured and unsecured loans in New Zealand we are determined to assist everyone that walks through our doors. As long as you are over 18 years old, reside permanently in the country, and have a full time paying job. Working intimately with you one-on-one with your individual needs as our need, our advisors will keep you on top of it all through the whole process from the application directly through to the settlement of your credit. We will give you alternatives for your circumstance at instalments you can manage.

By permitting you to apply for quick credits online or via telephone, New Zealanders can appreciate a helpful answer for their monetary necessities with fast endorsements and pay-outs within 24 hours.

man holding thumbs up

Loansmart is a trusted & reliable provider of debt consolidation

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

Since consolidating my debt with a loan from Loansmart things have started looking up in life. I have more disposable income every month that I can use as I please.

Edward S.
— Wellington —

The consultant who helped me at Loansmart was very good and made me feel like my loan is a priority and helped tailor a solution just for me.

Jack C.
— Christchurch —

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