Rating based on 80 reviews


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

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Author Loansmart. Screenshot of Loansmart website.
[Accessed March 6, 2023]

About Loansmart

Looking for a quick loan to cover some unexpected expenses? You’d be surprised at what is possible with Loansmart. Same day service.

A 100% New Zealand-owned and operated loan company that has been helping tens of thousands of Kiwis get back on track for over 10 years. They have a fully transparent approach, so there are no surprises or hidden costs when dealing with them. The greatest part is that they will assign you to a loan consultant that will be with you for the duration of the loan.

So, no explaining over and over what you need. You can just enjoy fast, easy, honest, and polite guidance from one expert. With them, your loan will be approved much faster than with most lenders as they work fast to ensure that you receive the money on the same day or overnight.

Get quick approval with Loansmart

Enjoy professional, low-cost lending without all the hassle. Loansmart has an experienced team that is at your service 24/7 and they work hard not only to get you approved but to also get you the best deal possible. They provide low-cost lending with interest rates of only 8.95%. Your rate will be determined by the amount you borrow, your personal circumstances, and your credit history.

Even if you have been declined elsewhere because of bad credit, they can assist you with a bad credit loan. There is not a lending situation they haven’t encountered and have a solution for every budget, need, and circumstance.

Loansmart Services

Does your emergency need cash, fast? Loansmart can get you the cash you need today.

Access up to $30,000 unsecured through a quick and easy application process and enjoy fast approval to receive the instant loan that you need. Their helpful and professional team is available to assist you any time of the day, anywhere in New Zealand. It will only take a few minutes to apply.

Save on interest

Are you overwhelmed by all your debt? You can simplify your debt by paying it all off with one singular loan at LoanSmart that will save you a lot of money. Build a better financial future for yourself and your family.

For big and small financial needs

Get an unsecured personal loan of up to $30,000 and a secured personal loan of up to $100,000 that can be paid off over 6 months to 10 years.

For any type of home loan requirement

Obtain a home loan through experienced and hard-working consultants that will go the extra mile to get you the best deal possible. Take the new exciting step of buying your own home. They can even help with finance for tiny home builds.

Loansmart – Quick loan

  • Loan Type Quick 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 and competitive interest rates
  • Quick online loan application
  • Flexible loan options

Quick loan calculator

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

At LoanSmart you will find tailor-made loans to fit your financial needs

The application process is just a few easy steps.

Step 1: Apply by filling in some basic information.

Step 2: Provide them with your photo ID and online access to your bank statements. This is done quickly and securely.

Step 3: They will then call you to discuss your needs and budget.

Step 4: They will then do their assessment and find the best deal for you.

Step 5: You will then receive a few options to choose from within an hour.

Step 6: Choose the one you are happy with and e-sign to proceed.

Step 7: Once you have signed, they will transfer the cash into your account. It’s as easy as that!

Choose Loansmart for your quick loan needs

  • They move faster – you will have access to funds on the same day as long as they have everything they need from you before 3 pm.
  • Easy, 100% online or phone process – you won’t need to scan and sign, fill in and upload lengthy documents.
  • They make it enjoyable – they will keep you updated every step of the way.
  • Their loans are affordable – they will go the extra mile to secure you with the best deal possible.
  • Fairer fees, lower interest rates from only 8.95%.
  • Approval in one to two hours.
  • Get assistance from a friendly, helpful, and experienced team.
  • Access more options tailored to you and choose the best one for you.

Car loans – Get your desired car

With Loansmart you can choose the car you want without them having to agree to your choice. You can buy your desired car privately or at an auction. Negotiate with the seller while you know that your car loan finance is already sorted.

man holding thumbs up

Loansmart is a trusted & reliable provider of quick 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: FSP617

Customer Reviews & Testimonials

I am very impressed with the speedy approval I got, and the money was in my account that afternoon.

Clara F.
— Gisborne —

As I applied for a loan pretty late, I was approved for the loan but only received the money the next morning. Nonetheless, I’m quite pleased!

Bethany N.
— Christchurch —

Loansmart Contact

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