Loan Direct

Fast personal loans
direct to you!

Loan Direct

Our Process

Do you need money today? Loan Direct can provide same day loans* to those in employment and who have regular income paid into their bank account – it really is that simple!

*Subject to responsible lending checks and lending criteria.

Loan Direct

How Quick Is The Process

1. Apply online in just a couple of minutes.

2. Provide us with a photo ID & recent bank statements. This is done online quickly, easily & securely.

3. We’ll call to introduce ourselves and discuss your needs.

4. We assess your application and find the best options for you.

5. One – two hours later* we present our options and you tell us which one you prefer.

6. Loan documents are sent through for you to e-sign.

7. Funds are deposited into your account the same day*.

*Subject to responsible lending checks and lending criteria.

Loan Direct

Your First Choice For Competitive Loans

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.

*Subject to responsible lending checks and lending criteria.

Experience a Lending Experience That's Second-To-None

Apply Online Now

Apply in just 2 minutes and have an answer within 1-2 hours*. Once approved funds are deposited into your account the same day*.

*Subject to responsible lending checks and lending criteria.

or call us on 0800 255 155

Quick Links

Getting a Loan

*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.

Important Information

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.

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