8:00AM to 5:30PM Weekdays
Loan Direct
Give us a call
or apply online
Easy Online Application
Rates From 9.95%*
Fast Loan Payout

Loan Direct

Fast Loans

If you want the best of both worlds – fast cash loans and competitive interest rates, apply today.

Need cash in a hurry? Loan Direct provides fast, low-cost lending directly to you.
We understand that financial emergencies happen, that’s why our team of savvy professionals uses the latest technology to deliver the fast results you need.

You can apply in just 2 minutes and receive a response within 1-2 hours*. A deposit is made into your account on the same day as approval*.

Fast, Simple Loans – In some cases, at better rates than banks!

*Subject to responsible lending criteria.


Loan Direct

Fast Personal Loans Direct To You!

Unlock more financial possibilities with Loan Direct. It’s our job as a loan broker to find the best deal for you.

We do all the legwork so you don’t have to. With our network of low-cost lending partners, we’ll find you the best deal.

*Subject to responsible lending criteria

Loan Direct

Our Fast Loan Process

After you complete our easy online application, we put it in front of multiple lenders to get you the best deal. We’ll come back to you within 1-2 hours* with options, and you choose the one that works best for you.

In most cases, we can have your loan approved the same day you apply* and have the cash deposited into your account immediately. Depending on your bank, the money could appear in your account that same day or the next day.

We process applications on a first come first served basis, so the earlier in the day you apply, the better chance you have of getting it all sorted the same day.

*Subject to responsible lending criteria.

What makes

Loan Direct so fast?

We are 100% online, which enables us to eliminate some of the time-consuming parts of borrowing, like paperwork and appointments. With Loan Direct you deal with one person, so there are no long queues, complicated forms, or drawn-out bureaucratic processes.

Most of our lending is unsecured. This is much faster to process than secured loans, which require assets to be valued so they can be used as security against the loan. Unsecured lending is more straightforward, so we can process applications more quickly.

Fast Cash Loans at

Competitive Rates

Loan Direct is your first choice for competitive fast loans. With interest rates starting from 9.95%*, in some cases we can offer better rates than banks!

Compared with banks, we can provide our clients with greater flexibility and options due to the less stringent lending criteria of our New Zealand-based lenders. Our team should be able to arrange you a loan pretty easily if you have a regular income and can afford the repayments.

Fast Loans with

Bad Credit

Can you get a fast loan if you have bad credit?

Having a bad credit score isn’t a deal breaker for us. Loan Direct works with people who have a poor credit history to rebuild their credit scores by arranging affordable low-cost loans.

We care about our clients. When you contact us, you’ll be dealing with real people who take the time to understand your needs and situation.

If you have bad credit but have enough regular income to cover the repayments, we may still be able to help. Get in touch with our friendly loan advisors today so we can help find the right solution for you.

Loan Direct

Why Choose Loan Direct?

Take control of your borrowing and alleviate stress with a low-cost loan suited to you from a friendly team that really does care. 

Loan Direct can offer its customers:
  • Flexible repayment options
  • The ability to spread your repayments over a longer period so it’s more affordable for you
  • Lower interest rates
  • Lump sum payments

Don’t sacrifice your future by taking out an emergency loan from a high-cost loan business. We can provide low-cost financial options to all sorts of borrowers.

How Can I Apply For An Emergency Loan?
  1. Complete the loan application form online, or call us directly.
  2. You will be provided with a secure link that authorises us to view your statements online. Bank statements enable loan companies to verify your income.
  3. Your Loan Consultant will be in touch quickly to complete the application
  4. Your loan is assessed and a decision is made
  5. Once your loan is approved and you accept it, funds are deposited in your bank account the same day*.

By embracing the latest technology, loan processing is fast and paperless. Income verification is handled online with no need for you to send us paper bank statements.


Save valuable time and money, choose a reputable finance business with fairer fees, interest rates and conditions.


You can contact us by email, via our online application form or phone. We answer straight away during business hours. With Loan Direct we look at your entire lending situation, to try and find a better solution for you.


*Subject to responsible lending checks and lending criteria.

Applied Elsewhere But Been Declined?

We may be able to help. There isn’t a lending situation we haven’t encountered and we can find solutions for most. Using a network of NZ Loan Providers we have build strong relationships with, Loan Direct can provide more options than other lenders.


With more options, you have more chance of getting your loan approved.

See our Loan FAQs page for answers to our commonly asked questions. 

Getting a Loan

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.


*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.