Rating based on 27 reviews

Direct Finance Loans

  • Short-term loans up to $5,000
  • Repayment up to 16 weeks

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Author Direct Finance Loans. Screenshot of Direct Finance Loans website.
[Accessed March 3, 2023]

About Direct Finance Loans

Direct Finance Loans offer affordable financial solutions to Kiwis.

Whether you need money to pay for a bond on a new rental property, pay our dentist bills or fund a wedding our personal and payday loans can help. We offer a wide range of lending products from bond loans to bad credit loans and unsecured cash loans if you have a credit need, Direct Finance Loans have a solution to meet your need.

We are here to stay

Direct Finance loans are a reputable, well-established and reliable online lender that helps Kiwis get cash quickly - without stress and without undue hassle. Our online application is very simple and easy to complete and we even lend to people that are self-employed or work part-time - as long as they can afford the credit they're applying for! Direct Finance Loans are incredibly efficient and can generally approve any loan within just 2 hours!

Direct Finance Loans Services

We are a responsible lender that offers affordable alternative financial solutions in New Zealand. We have a very broad range of lending options and products that can meet any financial need, budget and income.

Our lending products include personal loans, bad credit loans, bond loans, emergency loans, fast cash loans, unsecured loans and short term loans. We will ensure that the loan amount and loan repayment schedule is customized to suit your specific income schedule and needs - unlike banks and other traditional lenders we see the bigger picture and are willing to be flexible.

5-minute application - designed with you in mind

Since we're an online lender you can easily apply for a short-term loan online - the process is simple and quick and can be completed in just 5 minutes - we pride ourselves in delivering our services in the quickest and most efficient ways. We also offer a no-obligation application - so if you change your mind you can simply move on - no questions asked. We don’t have any hidden fees and charges and will never penalize you for repaying your loan earlier than planned. 

Direct Finance Loans – Short-term loan

  • Loan Type Short-term loans
  • Loan Amount up to $5,000
  • Repayment 10 to 16 weeks

Benefits of Direct Finance Loans

  • PERSONAL Loans
  • BAD Credit Loans
  • BOND Loans
  • SHORT-TERM Loans

Short-term loan calculator

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

We offer our clients quick, easy access to same-day financing

To apply a for a personal loan from Direct Finance Loans you must be aged 18 or over, be a resident of NZ, have been employed either full time or part-time for a minimum period of 3 months and have a bank account.

We will also need supporting documents which you can scan and fax or email to us. This includes 2 recent pay slips, a 90 day bank statement, a utility bill to prove address and access to your own bank account.

No credit check loans

In most cases we will not run a credit check or consider a bad credit history as a rule breaker but will not be able to lend to those who have declared bankruptcy.

Our loans can be used for a large number of expenses or to cover you until you receive your next paycheck. Our bond loans are perfect for securing that perfect rental without any stress. We welcome people with bad credit to apply for a loan and those who are only in part-time employment are also welcome - we're flexible enough to mould our products to meet the very unique needs of all of our customers and this is why we're such a popular lender.

A dedicated team - here to help you get things done

Our entire team is dedicated to helping our customers apply for credit in a quick and easy manner. You can apply for a loan by completing our online loan application form - we will ask you to provide us with the above-mentioned details and supporting documents and will generally approve an application within 2 hours.

We offer short-term loans of between $500 and $5,000 but will always consider your income when making you a loan offer. If you don’t earn enough to qualify for the loan that you desire you can consider accepting a lower loan amount.

Loan amounts are calculated based on financial status

We will consider your application and validate all of the information that you have provided us with, before making you a quick loan offer. You are not obliged to accept our offer and are welcome to back out of the loan application at any point. Once you've accepted our offer you can then sign our agreement form and return this to us.

We will then transfer your money to your account immediately. You can select your repayment to be directly withdrawn by your employer from your next paycheck or it can be deducted from your account on payday by direct debit. 

Customer Reviews & Testimonials

Desperately needed money to cover some unforeseen expenses and they came to my rescue! Even had the money later that day!

Mikhail R.
— Tauranga —

Speedy service with friendly staff and a quick payout.

Susanna C.
— Ivercargill —

The consultant struggled to understand me, but we made it work and my loan was approved in moments. Had the money the following morning.

Chase T.
— Dunedin —

Direct Finance Loans Contact

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