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Need to borrow $5,000, $10,000 or more? Loan Direct makes it easy to get the funds you need - fast. Get access to competitive rates and flexible repayment options from multiple lenders, all in one simple online application. Our team of financial advisors work hard to find the best loan option for your situation, so you can feel confident you’re getting a fair deal. Apply online in minutes with a 100% paperless process, and you could be approved in as little as 1–2 hours.* Borrow up to $75,000 unsecured*. *This example is based on an interest rate of 14.95% and a loan term of 36 months. Our Annual Interest Rates (AIR) range from 9.95% – 32.50% with loan terms of 6 Months to 84 months. This example includes an example Lender Establishment fee of $215 and a Loansmart Fee of $495. Approval subject to responsible lending checks. Loansmart is an Associate Member of the Financial Services Federation, we support and promote responsible financial behaviour in NZ.