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

About LoanSmart

Are you looking for a debt consolidation loan that offers you speed, affordability, and flexibility.

At LoanSmart they meet all your requirements by offering you a customized loan to meet your immediate and long-term needs. You can now take out a debt consolidation 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, they have been offering alternative solutions to traditional bank loans since 2008. With them, you can enjoy extremely affordable debt consolidation loans 100% online.

A reliable lender that strives to ensure that their customers can always afford to make the repayments that they set up. Affordability is ensured by their longer loan terms that stretch all the way to 60 months.

Best payment method for my loans

At LoanSmart they mostly make use of the debit order payment method as it makes things easier for all parties. With a debit order payment, everything is automated and you don’t have to run around to ensure that the payment was made on time.

Flexible and affordable debt consolidation loans 

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.

What LoanSmart can offer you

Since their loans are secured, you will be offered a competitive rate ranging from only 8.95% per annum.

You can borrow an unsecured debt consolidation loan amount of up to $30,000 and a secured debt consolidation loan amount of up to $100,000.

Enjoy suitable and easy repayment terms between 6 and 60 months and in some cases, they even offer repayment terms of up to 10 years - perfect for tidying up your finances.

Consolidate your debt and save

LoanSmart's personal loans are often used as a debt consolidation loan as it is basically an all-purpose loan that can be used for anything from consolidating debt to taking your family on holiday.

Pay my debt consolidation earlier than required

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 will show them that you are serious about ensuring that your payments are paid up. Such a commitment will also make it easy for you to obtain another loan in the future. They applaud their customers when they do a good job. This is another way of ensuring that your credit score will be at a higher rank.

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

They offer unsecured and secured debt consolidation loans at competitive rates with an incredible 1-to-2-hour turnaround time.

To apply with them, all you need is the following supporting documents:

  • Access to your bank statements.
  • a copy of your ID.
  • proof of address (such as a utility bill).

A quick and easy loan application

Step 1: 

Provide them with your photo ID, access to your bank statements, as well as a few details about yourself. They will then introduce themselves and discuss your needs

Step 2:

They will then find the best debt consolidation loan deal for you after assessing your information and you will hear back from them within 1 to 2 hours.

Step 3:

They will present you with a few of the very best options for your needs to choose from.

Step 4:

Once you have indicated which option you prefer, they will send you documents to sign. Once that’s done you can expect to receive your funds on the same day. 

A lender you can count on

LoanSmart is one of the very best lenders in New Zealand as they work hard, fast, and professionally. Finding the best deals for their customers is something they have been doing for more than a decade now and they would love to help you too.

Get in touch with them today and start your journey towards financial freedom, so you can live the life you deserve.

Benefits of choosing LoanSmart

  • Loan approval in less than 2 hours.
  • Same day payouts
  • Experienced staff that is always friendly and extremely helpful.
  • They have fast and easy processes in place.
  • Secured and unsecured debt consolidation loan options.
man holding thumbs up

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 2020

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 2020

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 2020

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 —

August 2021

LoanSmart offered me a very good deal and I am now able to save so much on interest.

Murray M
— Dunedin —

November 2021

Such a professional company with well-trained and friendly consultants.

Walker H
— Tauranga —

February 2022

Going the extra mile is what they do best, due to that I was able to secure the lowest interest rate possible on my loan.

Johnson J
— Rotorua —

LoanSmart Contact Details

Physical Address

Postal Address

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

Opening Hours

  • Monday 08.30 – 17.00
  • Tuesday 08.30 – 17.00
  • Wednesday 08.30 – 17.00
  • Thursday 08.30 – 17.00
  • Friday 08.30 – 17.00
  • Saturday – Closed
  • Sunday – Closed