Loan Direct
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Rates From 9.95%*
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Loan Direct

Emergency Loans

Give us a call or apply online in just 2 minutes. We move fast to get your loan approved sooner.

Loan Direct

Our Team Moves Fast

Loan Direct can arrange emergency loans. In difficult times it helps to have a team you can rely on.

Our team moves fast so you can access emergency funds sooner.

*Subject to responsible lending checks and lending criteria.

How Much Can You Borrow With

An Emergency Loan?

Emergency loans are a type of personal loan. You can apply for loan amounts of up to $75,000 unsecured.

How Easy Is It To Get

An Emergency Loan?

Emergencies and unexpected expenses can be stressful, but as long as you have regular income and can afford to meet your repayments, it should be relatively easy to meet our lending requirements.

What Does It Cost To Get

An Emergency Loan?

Emergency loan lenders vary considerably in costs. Some are short term lenders that charge high interest rates and loan costs. Repayment periods are shorter too, so it may not be as easy to make your payments on time.

Loan Direct does not offer payday loans, instead we work with low-cost lenders that offer cheaper interest rates ranging between 9.95% – 35.50%. Your actual rate will be tailored to your personal circumstances. You’ll have 6 months – 7 years to repay your loan, so budgeting is easier too.

Can You Get an Emergency Loan if You

Have Bad Credit?

You don’t need to have a perfect credit score to apply for an emergency loan. Borrowers with all types of lending profiles including bad credit are considered.

All interest rates fall between 9.95% – 35.50%. However, you may be required to provide security if your credit score is especially poor. You will also likely pay a higher interest.

Don’t pay more than you need to. Make sure you’re getting a fairer deal from a low-cost lender that cares.

What Can You Use

An Emergency Loan For?

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.