Rating based on 68 reviews

Loan Smart


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

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Loan Smart homepage

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

About Loan Smart

Loan Smart was created to provide an alternative to the large banks and finance companies that rule the consumer finance market.

We conducted extensive research, which showed that the majority of consumers prefer to deal with a small lender, that listen to their needs and offer customer focused solutions in a timely manner for short-term loans.

Great customer return rates

They say that if your customers come back then you know you are delivering a quality service. Therefore, we are proud to say that each month approximately 35% of our clientele is made up of previous customers.

While 35% might be low for some industries, a 35% return customer rate is very high due to the fact that all our customers won’t need to apply for a personal loan every month.

Loan Smart aims to purely make your lending experience as simple and pain free as possible. We are there to help you, no matter what financial situation you are in.

Loan Smart Services

The business principles of Loansmart is providing our clients with quality lending services that help them where they need it incurring large amounts of debt.

Since our company launched, we have been providing quick decisions, competitive rates, fast settlements, and excellent service to our clients.

We make applying for an instant loan easier

As we offer more than understanding of the numerous challenges that life can throw your way, we have worked hard to create a suite of solutions that can aid you effectively and instantly.With several online calculators that are accessible to you throughout our website, we have made selecting and applying for the ideal instant cash loan a pleasant experience.

Apply in under 3 minutes

Our quick loan application can be completed in just a few minutes. All you need to do is enter the required information, which should consist of your name, personal details, the amount you wish to borrow, etc. Once you have submitted the loan application, we will let you know whether or not you have been approved within 24 hours. 

Loan Smart Product Details

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

Summary of Services

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

We give our clients choices by providing a wide range of loan services

A reputable lender is the only lender to support and Loansmart managed to establish themselves in the New Zealand finance community as a trustworthy and affordable instant loan provider.

They offer not only instant loans, but also secured or unsecured personal loans, debt consolidation loans to help you get rid of debt, competitive car finance to update your vehicle, and other forms of loans and financing.

Instant finance loans suited to your needs

The Loansmart staff will work closely with you and ensure that your individual needs are seen as a priority. They have highly trained consultants who will keep you in the loop throughout the entire process from the loan application, right through to the settlement of your loan.

By allowing you to apply with the online application form or over the phone, NZ residents can enjoy a convenient solution to their financial requirements with quick approval times and most settlements happening on the same day.

Customer Reviews & Testimonials

Finance made easy. Ideal for emergencies without the panic of long waiting periods, or fine print traps.

Bradley W
— Dunedin —

When my annual bonus wasn't exactly as generous as I expected it to be, and my wife already halfway through packing for the vacation to London I promised her, I was left sweating bullets. Everyth...

Carl J.
— Hamilton —

Loan Smart Contact Details

Physical Address

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

Postal Address

  • P O Box 28 231, Remuera, Auckland, 1541, New Zealand

Opening Hours

  • Monday 08:00 – 17:30
  • Tuesday 08:00 – 17:30
  • Wednesday 08:00 – 17:30
  • Thursday 08:00 – 17:30
  • Friday 08:00 – 17:30
  • Saturday – Closed
  • Sunday – Closed