About LoanSmart

Are you looking for a personal loan that offer you speed, affordability and flexibility?

At LoanSmart we meet all your needs by offering you a customized loan to meet your immediate and long term needs. You can now take out a loan and rest assured that you'll be able to repay it with small monthly installments.

An Alternative to Traditional Banks

As an online lender we offer an alternative solution to traditional bank loans - we offer debt consolidation loans online. We're a reliable lender and strive to ensure that our customers can always afford to make the repayments that we set up. Affordability is ensured by our longer loan terms that stretch all the way to 60 months.

What LoanSmart can offer you

The debt consolidation loans offered by LoanSmart are flexible enough to allow you to select a loan sum that truly meets your financial needs while also offering a loan term that ensures you can afford your monthly installments - regardless of your budget or amount of debt.

Borrow up to $20,000 for Consolidation

Since our loans are secured you will be offered a competitive rate ranging from 13.95% to 29.95% per annum. We offer quick loans that can be taken out without any branch visits from $1,000 to $20,000 and we offer loan terms from 6 to 60 months - perfect for tidying up your finances!

In a Nutshell

  •  Loan minimum NZ$1,000
  •  Loan maximum NZ$20,000
  •  Interest rate From 13.95% to 29.95% per annum
  •  Loan term minimum 6 months
  •  Loan term maximum 60 months
  •  Average processing time 24 hours
  •  Online application
  •  In-store application
  •  Secured loan option
  •  Bad credit consideration
  •  Early repayment

Consolidate your Debt and Save with Loans Smart

LoanSmart's personal loans are basically all purpose loans that can be used for anything from consolidating debt to taking your family on holiday - the things that a personal loan can be used to do are simply endless and it's entirely up to you to decide how much and for how long!

Our Quick Loan Application and the Supporting Documents Required

We offer only secured quick loans at competitive rates with an incredible 24 hour turnaround time. To apply with us all you need is the following supporting documents:

  • 2 recent pay slips
  • a copy of your ID
  • proof of address (such as a utility bill)
  • 3 month bank statements
  • Some form of security or a guarantor with security

Eligibility & Requirements

  •  18 years or older
  •  Earning a stable income
  •  Credit check
  •  Recent pay slips
  •  Bank statements
  •  Proof of address

Other Products & Services

  • Personal loans
  • Car Loans
  • Debt Consolidation Loans
  • Property Finance

Contact Details

 Visit Website Apply Directly


 Physical Address

  • Level 4, 238 Broadway, Auckland, Auckland, 1541, New¬†Zealand

 Postal Address

  • PO Box 28, 231, Remuera, Auckland, 1541, New¬†Zealand