Rating based on 26 reviews


  • Debt consolidation up to $100,000
  • Low-interest starting from 8.95%
  • Repayment up to 120 months

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Author Loansmart. Screenshot of Loansmart website.
[Accessed March 7, 2023]

About Loansmart

The factors which make Loansmart finance solutions different include the quick lending process, the competitive interest rates, and the amazing customer services they provide to their clients.

They are a boutique finance company offering low-rate personal loans which are perfectly tailored to the needs of their customers. Loansmart knows what New Zealanders want and they make sure to deliver upon your request. This is their philosophy.

Unique from the rest

Loansmart has eliminated the bureaucracy associated with traditional lending and has made its debt consolidation loans easy and quick for you to attain. Their customers are their top priority, therefore they have your best interest at heart. When you go to Loansmart, they will work with you individually to provide a loan that is perfectly suited to your circumstances, budget, and lifestyle.

Loansmart Services

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

If you have rising debt, Loansmart can help by providing a competitive and easily manageable debt consolidation loan. You will have enough money to pay off all outstanding balances on credit cards, personal loans, overdrafts, hire purchases, and other credit facilities. As a result, instead of having multiple payments on due dates, you will now only have a single payment to make which could be weekly, monthly, or fortnightly.

Payless with a debt consolidation loan 

This payment can be made significantly smaller to give you a more flexible monthly budget. Loansmart has quick loans NZ with competitive interest rates and a tailor-made repayment structure.

They have made the process as fast and convenient as possible with their advanced application processing system. You can make the first step towards debt consolidation by making an online loan application on their website today.

Loansmart – Consolidation loan

  • Loan Type Debt consolidation
  • Interest Rate 8.9529.95% p/a
  • Loan Amount up to $100,000
  • Repayment 6 months to 120 months

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

There are times when you just require finances straight away and need to wait a week for approval from the bank, just won't do.

Get Loansmart to provide you with one of their quick personal loans. Loansmart has a team of professional consultants and experienced managers who ensure that the needs of every client are fully met and that each client walks out of their offices with a smile.

Make one payment, instead of five

When you are searching for debt consolidation loans in New Zealand that are speedy and aggressively competitive, you will find it at Loansmart which is one of New Zealand’s first choices. Debt Consolidation is known as one simple loan to cover all your other debts, with only one single installment each month.

Loansmart can offer you a solution to those overwhelming costs and amounts which are due each month. They provide loans for up to $20,000 with a repayment term of only 6 months to 5 years.

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 and you may even be struggling to make ends meet. Perhaps you have no cash left in your bank account by the time you have paid all your debts and installments off after your wages have been paid.

This is a stressful situation, and also unnecessary. Loansmart makes it possible to pay off your accumulated debts, with one single personal loan NZ. Now you only have to pay back a single installment, which will result in you having a lot more money left at the end of the day to spend on things that matter.

Receiving one-on-one services in NZ

Loansmart is offering secured and unsecured loans in New Zealand and they are determined to assist everyone that walks through their doors. As long as you are over 18 years old and you reside permanently in New Zealand as well as have a full-time paying job, you will be able to meet the requirements for a personal loan at Loansmart.

Working with you on a one-on-one basis will help Loansmart to provide for your needs. Their advisors will keep you on top of it all through the whole process from the application directly through to the settlement of your credit, by which they will give you alternatives and installments which will suit your budget

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.

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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

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