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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 cash 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 cash 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 to consolidate debt, 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.

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In a Nutshell

  •  Average processing time 24 hours
  •  Online application
  •  In-store application
  •  Secured loan option
  •  Bad credit consideration
  •  Early repayment

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 instalments low because the longer the loan term the smaller the instalments 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 loan, business loan, 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 is or leave us a message on the contact us page.

Making 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 drivers 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.

Eligibility & Requirements

  •  18 years or older
  •  Over 18 but under 65
  •  NZ resident
  •  Employed full-time
  •  Earning a stable income
  •  Credit check
  •  Active NZ bank account
  •  Recent pay slips
  •  Bank statements
  •  Proof of address

Other Products & Services

  • Personal Loans
  • Car loans
  • Debt consolidation Loans
  • Property loans

Customer Reviews & Testimonials

Contact Details

 Visit Website Apply Directly


 Physical Address

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

 Postal Address

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