Rating based on 16 reviews



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

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LoanSmart homepage

Author LoanSmart. Screenshot of LoanSmart website. [Accessed May 23, 2018]

About LoanSmart

Are you looking for a personal loan that offers 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 instalments.

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 instalments - 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!

LoanSmart Product Details

  • Loan Type Debt consolidation loans
  • Interest Rate 13.95 – 29.95% p/a
  • Loan Amount up to $20,000
  • Repayment 6 months to 5 years
  • Decision 24 hours

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!

A quick and easy loan application

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

Can I pay my debt consolidation earlier than the required date?

If you have an excess of money at your disposal and would like to settle your debt consolidation loan earlier than the required date, you are more than welcome to do so. This shows us that you are serious about ensuring that your payments are paid up. Such financial commitment will also make it easy for you to obtain another loan in the future. We applaud our customers when they do a good job.

This is another way of ensuring that your credit score will be at a higher rank.

What is the best payment method?

When you make use of the debit order payment, it makes things easier for all parties. There is no reason for us at LoanSmart to remind you as the customer as everything is automated. The client doesn’t also have to run around to ensure that the payment was made on time.

It is the responsibility of the customer to ensure that they have made sure there is enough money on their bank account on the day of the debit order. Should we be unable to deduct the money due to insufficient funds, the client will be charged extra for the inconvenience caused.

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LoanSmart is a trusted & reliable provider of debt consolidation loans

In our review, LoanSmart adheres to the compliance criteria in accordance with Credit Contracts and Consumer Finance Act (CCCFA), 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

November 2018

LoanSmart gave me a debt consolidation loan that was not only affordable for my budget but one that was well explained. The consultant that assisted me helped me understand everything from the in...

Zelda B
— Blackball —

January 2019

Looking for a loan is not an easy task. There are so many aspects that you need to look into. One of them is the fact that you shouldn’t take a credit loan with high-interest rates. I was happy t...

Timothy R
— Blenheim —

December 2018

LoanSmart treated me with so much zeal. I was given all the guidelines and advice that I needed to make the right credit choice. The agents also fast track my application process and that proved ...

Dorothy E
— Bluff —

LoanSmart Contact Details

Physical Address

Postal Address

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

Opening Hours

  • Monday 8.30 – 17.00
  • Tuesday 8.30 – 17.00
  • Wednesday 8.30 – 17.00
  • Thursday 8.30 – 17.00
  • Friday 8.30 – 17.00
  • Saturday – CLOSED
  • Sunday – CLOSED