Rating based on 75 reviews

Loan Direct

  • Short-term loans up to $3,000
  • Low-interest starting from 13.95%
  • 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 and innovative broker that assists customers in finding, comparing and applying for personal loans.

Our years of experience has allowed us to combine age-old best practices and modern technology to bring clients the most streamlined and convenient short-term loan acquisition process. Whether you need a personal loan to buy a car, consolidate debt or repaint the home - we can help you find an affordable and budget-friendly product.

Individualized service and undivided attention

When you apply for a loan through Loan Direct we will take the time to carefully review your circumstances and needs to find the right solution.

As a smaller broker, we are able to provide each customer with this individualized service and complete attention which improves your chances of getting the best online loans NZ. We aim to keep customers informed throughout the loan application process and help you understand all the features and details of the product.

Loan Direct Services

We offer a valuable brokerage service to people who are looking for a personal loan, vehicle finance, a debt consolidation loan or property loans.

We have a panel of lenders with some of the country's most competitive personal loan rates and flexible terms. The interest rates we secure for our customers range from 13.95% to 26.95% and our loan term starts at 6 months and goes up to 60 months.

Loans from our parent company

We are also able to offer quick loans directly through our parent company, Loansmart Limited, should your circumstances and needs it the loan amount and loan terms.

Our service will eliminate the need for you to go out and research lenders or visit your bank - we will gather your information and details and prepare an application to present to our panel of lenders. We will always do our best to find a suitable quick cash loan and a competitive rate for our customers. 

Loan Direct – Short-term loan

  • Loan Type Short-term loans
  • Interest Rate 13.9529.95% p/a
  • Loan Amount up to $3,000
  • Repayment 6 months to 60 months

Benefits of Loan Direct

  • Tailored repayment plans
  • Flexible loan terms
  • Quick online loan applications

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 will find the right financial solutions for you

When applying for a loan directly with a lender the customer faces many problems that they may not even be aware of.

Improve your credit score

Firstly they face the task of identifying possible lenders which, can many times, take days or even weeks, given the vast number of lenders. When researching lenders online customers may also be faced with lenders that hide their fees and mislead the public sometimes even unintentionally. So even after customers spend hours conducting research to identify lenders and find out what products they offer they may still be greatly disadvantaged.

Another problem arises when customers make multiple applications and are repeatedly denied. This is more common amongst those with bad credit since they are more commonly denied credit and are more vulnerable to taking up any offer that they come across.

Access multiple offers and products

By using Loan Direct, customers can access multiple credit offers and products without the need to conduct research or make any trips to the bank. Our online loan application is just as simple and quick as many of the other applications you'll come across and will provide you with multiple benefits that you simply won't get by applying directly to one lender. Our application begins by collecting your personal, contact details and then asking you to tell us how much you want to borrow, how much you're earning and what your credit history looks like.

We will then use this information to compile a summary of your needs and find a lender that can offer you exactly what you need. The interest rate that you're offered will be based on your credit score, income and personal circumstances and we will present you with the top offers.

What will happen once I've completed my application?

Once we've received your documents one of our experienced consultants will contact you to request supporting documents. This includes proof of address, your identity document, your pay slips and bank statements. For most of the personal loans we deal with, the customer is required to provide some form of security.

This is usually offered in the form of property or equity in a property and allows you to secure a bigger loan amount, along with, more competitive rates. Typically any short-term loan over the amount of $2,000 will require some form of security. We will work with you to get the most competitive rates, the best terms and just right the loan amount. If you'd like any more information on our online loan application process or service you can contact us either telephonically or, via email. 

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Loan Direct is a trusted & reliable provider of short-term 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: FSP617

Customer Reviews & Testimonials

While the application process was smooth and quick, my loan was only approved the next day.

Georgia H.
— Napier —

This is the first company I’ve found to be so professional. My loan was approved in minutes and paid out just a couple hours later!

Skye E.
— Christchurch —

Loan Direct Contact

Physical Address

Postal Address

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

Opening Hours

  • Monday 08:00 – 17:30
  • Tuesday 08:00 – 17:30
  • Wednesday 08:00 – 17:30
  • Thursday 08:00 – 17:30
  • Friday 08:00 – 17:30
  • Saturday – Closed
  • Sunday – Closed