8:00AM to 5:30PM Weekdays

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

coins stacked in a tower, representing growth

Car loans

Low Interest Car Loans

When it comes to financing a vehicle, you want the lowest interest rate possible…

18 October, 2024

Car loans

Pre Approved Car Loans

When you’re shopping for a car, having cash in your back pocket is a powerful thing. It gives you the freedom to buy any car

17 September, 2024

Fast Cash Loans

Best Debt Consolidation Loans & Lenders

If you’re managing multiple debts, you probably already know it can be overwhelming trying to keep on top of it all…

2 September, 2024

woman holding cash with a smile because she has gotten a loan for fair credit

Credit Score

Loans for Fair Credit

If you’re searching for “instant loans for fair credit”, chances are you’re worried that your credit score isn’t too flash…

2 September, 2024

a woman showing off her good credit score

Fast Cash Loans

Loans for Good Credit

If you’re on top of your finances and you’ve got a good credit score, congratulations!

2 September, 2024

Emergency Loans

Fast Cash Lending

Need cash fast? Frustrated with how long it takes to get a loan approved through a bank? Don’t want to pay high interest rates?

2 July, 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

8:00AM to 5:30PM Weekdays

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 12.95% has a Lender Establishment Fee of $215, a Loansmart fee of $745 and a weekly payments of $57.33. The total amount payable is $14,906.36. This equates to an Annual Percentage Rate (APR) of 17.12%

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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