Loan Direct has merged fast lending with competitive interest rates to deliver a borrowing experience that is second to none.
We believe that low-cost lending can be delivered the same day or next*. By drawing on the latest technology and the expertise of an experienced lending team, we make it happen. Why should you have to go through a bureaucratic, drawn-out process if you’re earning a regular income and can afford to meet your repayments?
If you want the best of both worlds – fast loans and competitive interest rates, apply today.
*Subject to responsible lending checks and lending criteria.
"A massive shoutout to Kimberley.D for all her hardwork. Appreciate your great effort and your professionalism, throughout the process you've went above and beyond just to make sure I received the service I and other customers needed. Always ahead of us and keeping us up-to-date all the time until we got paid out.Thankyou so much for your GREAT WORK and THANKS Loansmart. Cheers from Lia😀"
"Would like to give a HUGE SHOUT OUT to stefanie wilson she went above and beyond to get us a loan to consolidate our debts, it took a little while but we got it. So thankyou thankyou thankyou so much stefanie for all your hard work."
Dale N Alec Mckenzie
"Great work only took one day to sort it, Awesome! Thank You Andrea Malcolm for getting that done and for contacting me about finding some money, just Great!"
"Outstanding professional service in particular to Melvyn - who if he had a super power(s) it would be professional-friendliness/laser-eye focus to detail/communicator extraordinaire/speed with out compromise. Grateful and recommend this service for responsible financial support. Karen & Malcolm."
"A huge shout out to Kapila, who was absolutely amazing with my debt consolidation application. The whole process was so simple and easy. Kapila ensured I was kept up to date with everything happening. A wonderful, phone manner. A very hard working lady indeed. Thank you, thank you Kapila"
"Shayaan Topiwala - great service, quick turnaround & awesome comms throughout. Thank you - was indeed in need."
*Annual Interest Rates (AIR) range from 9.95% p.a. to 35.50% p.a. with loan terms of 6 months to 84 months. Fees apply.
Example: A loan of $10,000 over 60 months at 10.95% has a Loansmart fee of $745 totalling weekly repayments of $53.72*. The total amount payable is $13,967.70. This equates to an Annual Percentage Rate (APR) of 14.23%
*Lender establishment fee, monthly admin fee & any optional insurances are variable so not included.
1. Loansmart Limited (FSP #7461, trading as Loan Direct) holds a Full Class 2 Financial Advice Provider Licence issued by the Financial Markets Authority to provide financial advice, and is a member of Financial Services Complaints Ltd, our FSCL Number is 617.
2. It is free to complete an application. A fee to use our service is only applicable when you enter into a loan arranged by us.
3. *Rates of 9.95% are 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. We do not offer “short-term” loans, the terms offered by our providers range from 6 months to 84 months.
4. Annual Percentage Rate (APR): Also known as the ‘comparison rate’, the APR is calculated by adding together the AIR plus any additional fees that may apply (like establishment fees charged by providers). New Zealand law does not require APR disclosure, but doing so can better highlight borrowing costs.