Rating based on 23 reviews



  • Low-interest starting from 13.95%
  • Personal 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

If you've been denied credit by your bank then it's time to visit our website and have a look at the great credit services we have available.

At Loan Smart, we offer personal loans to individuals with poor credit - especially those that the banks have rejected at reasonable rates and convenient terms.

Affordable loans

Although we're an online lender our personal loans are still affordable and flexible - just like those that are offered by banks and larger lenders. You can utilize a loan from Loan Smart for debt consolidation, buy a car, buy appliances, and even take a holiday.

What LoanSmart can offer you

With such a varied loan term and loan amount offering, Loan Smart is one of the most competitive alternative lenders on the market.

We are recommended by customers to friends and family on a regular basis. We care about you and we show it by offering you the best of everything a lender could offer.

Get a loan of up to $20,000

At Loan Smart, we offer personal loans of between $1,000 and $20,000 at interest rates ranging from 13.95% to 29.95% per annum. Our loan terms start from 6 months up to a maximum of 60 months. We have a 24 hour turnaround time and all of our loans must be secured.

LoanSmart Product Details

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

At Loan Smart you can get a quick and conveinient personal loan online

Selecting a personal loan amount with Loan Smart is simple since we offer a variety of loan terms.

This means that you get to take out as much as you want to while still keeping the monthly installments low because the longer the loan term the smaller the installments will be.

Repaying your loan

Repaying the loan is simple since we will set up a direct debit which will automatically draw the money from your account on the set date. This means that there is less chance of missing a payment and having your credit affected negatively.

We have the loan for you

We offer so many loans that we will make sure to find the perfect loan for you and your family. We have your best interest at heart and that is why we will offer you all of the following loans, personal loans, business loans, debt consolidation, home loans, car loans, and same-day loans. We have mentioned only a few of the loans and services that we offer. If you would like to ask us questions you can contact us or leave us a message on the contact us page.

Make sure we get your documents

We ask that when you apply for your online loan that you ensure that all your documents are uploaded and that all of your questions have been answered and that you have not left any blank spaces on your questionnaire.  Please make sure that you have uploaded both a photo of your ID book and driver's license please can you also upload 2 months' bank statements.

You can have your response in one to two hours yes it will be that quick all you have to do is do your online application and send it through. Then you have to sit back and relax and we will contact you back.

man holding thumbs up

LoanSmart is a trusted & reliable provider of personal 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: FSP 7461

Customer Reviews & Testimonials

February 2020

I applied for my loan online I was done in a few minutes and I was approved quickly. I uploaded my personal documents and signed the loan agreement and the money was transferred to my account imm...

Kia A
— Whangarei —

March 2021

I would recommend Loan Smart to anyone who needs a personal loan. They have a quick loan service and low-interest rates

Emily O
— New Plymouth —

April 2021

I got a quick personal loan through Loans Smart. Their innovative online platform is easy to use and I got a response from them within an hour

Martin J
— Invercargill —

LoanSmart Contact Details

Contact Number



Physical Address

Postal Address

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

Opening Hours

  • not available