Loansmart Reviews 

52
•
TrustScore 4.5 out of 5

4.4

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Rated 1 out of 5 stars

Totally mislead Given the wrong advice and absolutely ruined me !!! Never again would I be using this service !!!

Company replied

Rated 5 out of 5 stars

My experience was quick and no fuss about with the application. Kapila Panchwagh was such a lovely and helpful person towards my applying so helpful,friendly and quick within connecting with me. Than... See more

Company replied

Rated 5 out of 5 stars

I would highly recommend Loansmart as the process was simple, no muck arounds and easy to complete. Keegan was really quick with his replies and was always happy to answer any questions I had! He made... See more

Company replied

Rated 5 out of 5 stars

After jumping through hoops with multiple different finance options that had great reviews on how easy they were no matter how much you had or your credit score to be passed over. When all I need was... See more

Company replied

Company details

  1. Car Finance and Loan Company

Written by the company

With Loansmart, Kiwis have been able to access fast, fair and affordable loans online since 2008. We offer NZ loans with same-day payout*. Over 25% of our lending is to existing clients, since they love what we do and we love helping them! We offer Fast Loans Online without the hassle of a drawn out process. Need Same Day Loans? Debt Consolidation Loans? Emergency Loans? Quick Cash Loans? We can help with all types of Personal Loans & Business Loans! Best of all, we are a low cost lender so repayments are fair and affordable. Have you had a loan application declined? Is your credit history less than stellar? We may be able to help you right now with a Bad Credit Loan. We’ve encountered every type of lending situation before, and can provide affordable loan solutions to most of them. Get low-cost loans online from a friendly, helpful team. Try our Debt Consolidation Calculator, Personal Loan Calculator & Loan Repayment Calculator to see what you can save in costs. Rates from 8.95%* View 100's of 5 Star reviews from happy clients. We'd love to make you smile too! Apply for a loan. *Subject to responsible lending criteria


Contact info

4.4

Excellent

TrustScore 4.5 out of 5

52 reviews

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4.4

All reviews

(52)

22 reviews in the last 12 months

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Rated 5 out of 5 stars

great people,easy process

I dealt with Julian who kept me up to date with every step, very professional and helpful.
definitely couldn't fault at all.

November 20, 2025
Unprompted review
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Reply from Loansmart

Thanks Carl - great that we could assist you and appreciate the review. Thanks again and wishing you all the best. Regards Team Loansmart

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Rated 1 out of 5 stars

Wow the lack of communication… very…

Wow the lack of communication… very unprofessional. I applied for $1000 loan for vehicle repairs, I waited and the guy who was helping me emailed me straight away but when I completed the photo id and bank statements, the headline for they’re loan is “ SAME DAY, SAME LOAN” absolute bullshit
it took 2 hours to get in contact with him, did he call me? Nooo I had to call him, he then told me that he give me a call straight away as soon as he finished, (this was at 2pm) it was going on nearly 5:30pm I started to get impatient I called them again and they said they had nothing from me at the moment and told me he would call me first thing in the morning. Comes the morning to the afternoon where he never called back so I had to call him back there was still nothing and emailed me back saying no one has accepted my loan and will reach out to me. Never reached back to me, I don’t recommend this loan place, better off going somewhere else with better communication and benefits. Trust me

November 12, 2025
Unprompted review
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Reply from Loansmart

Hi Leilani - apologies that you did not receive the service expected, unfortunately we were unable to secure an approval for you and although our consultant tried numerous avenues it was not possible to gain an approval. We cannot assist everyone due to our responsible lending rules and try and advise clients as soon as possible when this is the case. Again please accept my apologies and we wish you all the best.

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Rated 5 out of 5 stars

After jumping through hoops with…

After jumping through hoops with multiple different finance options that had great reviews on how easy they were no matter how much you had or your credit score to be passed over. When all I need was a helping hand .. contacting loan smart was my best decision. Shayaan helped me without making me jump through hoops easy to deal with and such a great outcome glad I finally found someone who actually looked at my application properly not just the money I owed

September 9, 2025
Unprompted review
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Reply from Loansmart

Thanks Britt it was our pleasure to assist you and great that Shayaan got everything sorted for you. We appreciate your review and thanks for choosing Learnsmart. Wishing you all the best - Regards Team Loansmart

Rated 5 out of 5 stars

Thank you so much Dani for your help

Thank you so much Dani for your help. Awesome to deal with. Quick n efficient, did more for us than we expected. Highly recommend

September 4, 2025
Unprompted review
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Reply from Loansmart

Thanks Kara - great that we could assist you and that Dani got everything sorted for you quickly. Wishing you all the best. Regards Team Loansmart

Rated 5 out of 5 stars

SHOUT-OUT to Mr MARK SMITH

Shout-out to Mr MARK SMITH. It was like a walk in a park. He was Awesome! Quick response, excellent communication skills, excellent customer service, he was terrific.Very reassuring , Very polite, And very friendly. He was very patient and understanding. I trusted that he would help me out and he absolutely delivered.
I HIGHLY! HIGHLY! HIGHLY recommend loan smart, and if you get Mark Smith helping you out then you are in good hands, trust me.

Thankyou Mark Smith & Thank you Team Loan Smart

August 18, 2025
Unprompted review
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Reply from Loansmart

Thanks Lorraine - great that Mark did such a great job and we appreciate your wonderful review. Thanks for choosing Loansmart to look after you and we wish you all the best. Regards Team Loansmart.

Rated 5 out of 5 stars

Loansmart were so easy to deal with and…

Loansmart were so easy to deal with and Keegan was helpful and amazing. Everything in the process was explained fully and mostly done online so no lengthy phone calls.

July 30, 2025
Unprompted review
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Reply from Loansmart

Thanks Diane - glad we could assist you and that Keegan did a great job in getting everything sorted. Appreciate your review and wish you all the best. Regards Team Loansmart

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Rated 5 out of 5 stars

Thank you Loan Smart

Thank you Terry Kim from Loansmart you are amazing and I would highly recommend you to anyone wanting a loan. You made the whole experience a positive one. Your constant communication throughout the process gave me reassurance when most would feel anxious. The whole process was so quick and hassle free. I truly appreciate your efforts in securing me a loan

July 4, 2025
Unprompted review
Rated 5 out of 5 stars

Jaime has very clear communication…

Jaime was brilliant. Very clear communication throughout the whole process. Easy to follow and quick response through email or over the phone. Help me step by step.
A very straightforward and pleasant guy, I highly recommend.
Great service and company.
Thank you

June 23, 2025
Unprompted review
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Reply from Loansmart

Thanks Donna - was our pleasure to assist you and appreciate your review. Thanks again and we wish you all the best.

Rated 5 out of 5 stars

Jonathan was excellent to deal with

Jonathan was excellent to deal with got the information he needed then gave us some options to consider then actioned it all once we chose the best option for us and seen the whole process through right to the end, loan smart is a better option over most other providers and went the extra step to help the customer out and understand the process.

May 29, 2025
Unprompted review
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Reply from Loansmart

Thanks Richard - appreciate your review and great that Jonathan got everything sorted to your satisfaction. Thanks for choosing Loansmart and we wish you all the best. Regards Team Loansmart

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Rated 5 out of 5 stars

Andrea is a superstar

The experience and process could not have gone any smoother or easier. Andrea Malcolm is very helpful, quick and kept me in the loop from start to finish. Thank you so so much.

April 11, 2025
Unprompted review
Rated 5 out of 5 stars

My experience with Loansmart was exceptional.

My experience with Loansmart was a blessing given I had applied with several companies prior to Loansmart. The experience I had and appreciate for all the advice I received goes to Dani Hoult. I had a few technical hiccups along the way, but Dani was always but a phone call away, and I made sure to call her to keep me on the right track.
I want to thank her for all the information she gave me to follow, ending with congratulations on the approval.
Thank you Dani Hoult.

March 13, 2025
Unprompted review
Rated 5 out of 5 stars

Jonathan Wilson from Remuera is…

Jonathan Wilson from Remuera is amazing. He accepted my request for a loan from your company and was sincere, absolutely helpful when I told him my dilemma. He went above and beyond in the loan application process right through to payment to me. Thank you Jonathan so very very much...Regards Tab

March 13, 2025
Unprompted review
Rated 1 out of 5 stars

Very disappointing

The process of signing up was ok, friendly staff too. However what is posted on you website is completely different once the experience starts. I was told 3-5 business days to process the request and I firmly believe that if I hadn't been calling to check up on the process I wouldn't be informed that it was rejected. I was really depending on you guys to help me out of a spot but now I just feel as if you took my money knowing I wouldn't get through......this was a bad experience for me and I believe that it has shut the door for me and loans.... Thanks a million loansmart for opening my eyes to what it really is.

February 9, 2025
Unprompted review
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Rated 5 out of 5 stars

Excellent customer service from Dani

Excellent customer service from Dani. Definitely recommend for the hassle free loan process. Thank you!

January 22, 2025
Unprompted review
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Reply from Loansmart

Thanks Joe - great that Dani got everything sorted for you and appreciate your review. Thanks for choosing Loansmart and we wish you all the best. Regards Team Loansmart

Rated 5 out of 5 stars

Honest review

Oscar Andrade was extremely proficient and dealt with the cycle rapidly. Just disheartened about the manner in which I got the cash a day late on the grounds that MoneyGram just permits $2,500 each day and my credit was $9,000. So I needed to call them and requested that they store the cash straightforwardly into my financial records making me late on an installment to my lawyer.

May 3, 2024
Unprompted review

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