Rating based on 52 reviews

Loan Direct

  • Personal loans up to $200,000
  • Low-interest starting from 27.5%
  • Repayment up to 60 months

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Loan Direct homepage
Author Loan Direct. Screenshot of Loan Direct website.
[Accessed March 3, 2023]

About Loan Direct

Loan Direct is an experienced finance broker that will assist you with obtaining a personal loan when you need it most.

Even though we are a finance broker, we are able to provide loans through our parent company, Loansmart Limited.

Financial experts at your fingertips

Our employees are highly trained and able to provide professional financial advice to New Zealanders. We will advise you on anything regarding lending and help you find the perfect loan suited to your needs, with a low-interest rate and minimal fees. If you wish to get in touch with us and let us help you find a loan with a low-interest rate, simply contact us through our website or via telephone.

Confidentiality is important

At Loan Direct we can assure you that your financial and personal details as well as your loan application, will be treated with the utmost discretion and confidentiality. The lenders that we associate with are professional and reputable companies that can assure you, that your privacy will never be compromised. If you apply for a loan with us, you can rest assured, knowing that condidentiality is one of our key business objectives.

Loan Direct Services

We offer a range of short-term loan services at Loan Direct – each offered by highly experienced financial experts, ready to assist you.

Our loans repayment periods range from a minimum of six months to a maximum repayment period of 60 months, offering you flexibility. 

Clear your credit card debt

If you have a ton of credit card debt that you are struggling to pay off, then you can simply make use of our personal loan services to settle your debt. This will leave you with a credit card that you can now freely use once again as well as possible lower interest rates. As a result, this will allow you to save money and leave you with a greater disposable income.

Interest rates as low as 13.95%

At Loan Direct you can receive one of our many personal loans at an interest rate of as low as 13.95% per annum. We will determine your own personal interest rate through the use of your credit history, the security you have offered and your overall credit profile. Depending on your credit score, our financial experts will do everything in their power to find you the best loans possible.

Loan Direct – Personal loan

  • Loan Type Personal loans
  • Interest Rate 27.530.41% p/a
  • Loan Amount up to $200,000
  • Repayment 6 months to 60 months

Benefits of Loan Direct

  • Flexible loan repayments
  • Convenient online loan calculators
  • Competitive loan deals

Personal loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This personal loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

At Loan Direct you will find affordable & flexible loans

Loan Direct is the first choice among New Zealanders looking for competitive personal loans.

In the years that Loan Direct has been providing financial and lending services, they have been able to help countless New Zealanders out of their financial situations and to achieve their dreams.

Bad credit clients are welcome

If you have ever defaulted on payments, many banks and lenders might simply see you as too great a risk for loan approval – unless it is a loan specifically designed for people with bad credit scores. This type of loan often has a higher interest rate than standard loan types. If you need a loan but unforeseen circumstances have resulted in some bad credit, our financial advisors will help you find a loan for bad credit that is suited to your unique situation with the best possible interest rate.

If you apply for a loan with Loan Direct through our loan application form, you will be assigned a financial expert, who will assist you for the duration of the proceedings. It is simply another way we try to help our clients. In conclusion, Loan Direct is a reputable financial broker that will be able to assist you with long-term loans in New Zealand.

man holding thumbs up

Loan Direct is a trusted & reliable provider of personal loans

In our review, Loan Direct adheres to the compliance criteria in accordance with the Credit Contracts and Consumer Finance Act 2003, where the granting the loan will not cause financial distress to the consumer.

✅ Loan Direct is a registered credit provider in New Zealand: FSP7461

Customer Reviews & Testimonials

When I was advised by a friend to look into Loan Direct I was shocked at how low the interest rates are, I expected poor service, but boy was I wrong! Great service and awesome product,

Modesty P.
— Dunedin —

Loan Direct really is a wonderful lender, they offered me low rates, easy application, and a quick payout.

Callahan O.
— Rotorua —

Loan Direct Contact

Physical Address

Postal Address

  • P O Box 28 231 Remuera, Auckland, 1541, New Zealand

Opening Hours

  • not available