Rating based on 42 reviews


  • Personal loans 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 March 3, 2023]

About Loansmart

Loansmart eliminates the bureaucracy associated with taking out a personal loan.

Loansmart is a major alternative to the big banks

With us, borrowing is quick and easy. We are a boutique finance company dedicated to working individually with each customer. This enables us to offer a personalised solution which can be used effectively and safely. We have a strong reputation for offering quick loans online at competitive rates coupled with excellent customer service.

Quick financial solutions

We have fast response times and cash transfers to ensure that our customers get their money on time to resolve a cash emergency or to make an important purchase. Our team of professional financial consultants and experienced managers works constantly to develop ever better products and services which will bring even greater customer satisfaction.

Loansmart Services

When life throws a challenge at you, you can be confident that you can overcome it with the professional assistance of Loansmart.

We will be there for you to help you finance holidays, special occasions and other important projects and events.

Our personal loans are speedy and easy to obtain

They can be fully customised to match your needs. You can select the personal online loan amount and the repayment term. We can draw a personalised repayment schedule for you based on a weekly, fortnightly or monthly instalments in line you’re your income and spending. You can use the different loan calculators on our website to determine how much you would like to borrow. We are here to answer all of your questions and to help you with anything which you may need.

Loansmart – Personal loan

  • Loan Type Personal loans
  • Interest Rate 13.9529.95% p/a
  • Loan Amount up to $20,000
  • Repayment 6 months to 5 years

Benefits of Loansmart

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

Personal loan calculator

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

Faster approval & low interest rates with Loansmart's personal loans

Whatever your budgetary necessities, regardless of what your loan needs are, get it going with a personal loan from Loansmart. Get the advantages of low interest rates for the lifetime of the credit.

Loansmart personal loans in NZ have opened a pathway for Kiwis searching for faster loan options.

A Loansmart personal cash loan can be utilized for anything

Pay for a fantasy wedding, go on a great holiday, pay off your financial obligations or do that anticipated house revamps you been meaning to do. Altered repayment terms through straightforward and transparent support of our customers – no hidden costs down the line – you know precisely what to budget and plan for each month.

We offer our customers competitive rates

Pay just a low percentage each annum which is an altered rate all through your advance period. We come to a calculated rate in terms of the amount you borrow, making the loan more affordable and customised to your budget.

We will loan you the cash according to what you can afford, not letting you sink into a deep hole of debt. Altered set month-to-month repayments for the lifetime of the advance guarantees that are aware of what you are paying each month, and able to budget properly through consistency. Your instalments can be deducted straightforward from your banking account, taking the hassle out of having to go to banks to deposit them, another way of making our service convenient for you.

Pick the terms that suit you!

You get the chance to choose terms to fit your financial plan to pay off your personal cash loan. No security required when you apply for a loan – no compelling reason to put your home down as guarantee! We have the loan products you have been looking for, the service that offers a complete financial solution for all our clients.

man holding thumbs up

Loansmart is a trusted & reliable provider of personal 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: FSP7461

Customer Reviews & Testimonials

Loansmart is an excellent finance provider, very transparent and affordable.

Frank G.
— Dunedin —

Very competitive rates and easy to manage repayment terms.

Kyle T.
— Nelson —

Getting a Loansmart loan has been a pleasure, it took very little time and my money was in my account the next day.

Racquel V.
— Wellington —

Loansmart Contact

Physical Address

  • Level 4, 238 Broadway, Newmarket Auckland 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