1. Loansmart Limited trading as Auckland Loans is a NZ registered Financial Service provider – FSP Number 7461 and a member of Financial Services Complaints Ltd – our FSCL Number is 617. 2. * Rates of 8.95% subject to lending criteria and eligibility. 1-hour approval and same day payout subject to the applicant meeting our lending criteria and supplying all the information we need to process their application. Terms of 120 months are only available on secured loans. Unsecured loans offer terms of up to 84 months. 3. You are protected by responsible lending laws. Because of these protections, the recommendations given to you about lending through Auckland Loans are not regulated financial advice. This means that duties and requirements imposed on people who give financial advice do not apply to these recommendations. This includes a duty to comply with a code of conduct and a requirement to be licensed. 4. An establishment Fee of $195 to $495 will apply to loans through Loansmart where Loansmart is the lender. Brokered loans will have a broker fee charged which varies between lenders and will be discussed with you. These fees are added to your loan amount and paid to us by the provider unless you wish to pay direct.