Rating based on 81 reviews

Loan Smart


  • Unsecured 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 established with the goal of giving New Zealanders an alternative choice when it comes to financial services such as loans.

We understand our client's needs

We found that many people would prefer to deal with an intimate lender that can give them the individual attention they deserve when it comes to unsecured loans. Whether you are in search for support to help you pay for a much needed holiday, or a way to repay your debt, the lending options at Loan Smart are more than suitable for a variety of budgets. A sure way to tell that your business is successful is by looking at how many of your customers return.

Well, here at Loan Smart, we are very proud to say, that thanks to the quality personal loan lending experience we provide, each month around 35% of our business is made up of previous customers who have returned to us. 

Loan Smart Services

On offer, you will find a range of lending and financing services to the people of New Zealand.

Our services include personal loans, car loans, debt consolidation loans, unsecured blacklisted loans, and property loans.

Quality personal loans

It is the most convenient and instant option for personal loans across the whole of New Zealand – including Christchurch, Auckland, and Wellington. Our solutions are personalised to make solving a variety of financial problems possible.

Flexible repayment options

At Loan Smart, we offer flexible repayment options to New Zealanders on various loans including blacklisted loans. You can repay your loan with flexible monthly, weekly or fortnightly payments that suit your financial situation. 

Loan Smart Unsecured loan

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

Benefits of Loan Smart

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

Apply for an unsecured bad credit loan from Loan Smart, it's quick and convenient

Loan Smart is a quality lender that works closely with their clients in order to ensure that they receive the best possible services, not only in terms of financing but also in terms of customer services.

If you wish to be a part of this experience and apply for your very own Loan Smart blacklisted cash loan, you can do so by visiting their website using your computer, smartphone or tablet.

Apply online now

You can start by visiting their website and clicking on the ‘Apply online now’ tab, which will direct you to an online loan application form where you will need to enter the required information.

The online application form should take you around two to three minutes, so you do not have to worry about it taking up your valuable time. You will start by entering your personal details such as your title, name, date of birth, etc. You will then proceed to contact details, employment details, and finally, your loan and income details, which will consist of the amount you wish to borrow, your monthly income after tax, etc.

Now you simply need to agree with the terms of the privacy declaration and provide consent to electronic disclosure to the email address that you have provided and then submit your loan application.

Once submitted, Loan Smart will soon be in touch with you to notify you of the approval status of your application. 

man holding thumbs up

Loan Smart is a trusted & reliable provider of unsecured loans

In our review, Loan Smart 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.

Loan Smart is a registered credit provider in New Zealand: FSP7461

Customer Reviews & Testimonials

Using Loan Smart was definitely the smart choice! They offered me a good service and an affordable product.

Joshua W
— Palmerston North —

What a pleasure doing business with Loan Smart. Friendly service, affordable interest rates and flexible terms to your liking.

Nick A
— Auckland —

Loan Smart Contact Details

Contact Number



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