Loan Direct

Fast personal loans
direct to you!

Loan Direct

Guides

From understanding the benefits of online loans to navigating the application process, we cover it all. We’ll explore the features that set Loan Direct apart from traditional lenders, including their streamlined application process, competitive interest rates, and personalized customer service.

Loan Direct is here to help you every step of the way

Emergency Loans

Low Interst Personal Loans

When looking for a personal loan, it’s important to find one with the lowest interest rate available

20 April, 2024

Emergency Loans

Short Term Loans

For people who need a bit of cash quickly, short-term loans are a good option.

20 April, 2024

Credit Score

7 Things you must know to improve your credit score

Check out our handy infographic to learn about the 7 best ways to improve your credit score.

8 March, 2024

Unsecured Loan

Unsecured Personal Loans NZ

In today’s uncertain economic climate, many people in New Zealand may find themselves looking for “unsecured personal loans nz”

8 March, 2024

Quick Loans

Quick Loans and Instant Loans: What You Need to Know

If you’re searching for things like “quick loans no bank statements”, or “instant cash loans online no paperwork”

8 March, 2024

Unsecured Loan

Secured Loans vs Unsecured Loans: The differences explained

In New Zealand, when it comes to borrowing money, one of the key decisions you will need to make is whether to take out a secured loan or an unsecured loan.

8 March, 2024

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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