Get your financial life under control

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Are You a 😆 Saver 😬 Spender 😇 Planner or 🥰 Free Spirit?

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Are You a 😆 Saver 😬 Spender 😇 Planner or 🥰 Free Spirit? ⋆

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Fast loans, for the rest of us.

Fast personal loans between $500 - $20,000 for car repairs, holidays, home improvement, medical treatments, or almost anything else, trusted by thousands of New Zealanders.

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Car & car repair loans

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Holiday loans

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Home improvement loans

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Medical loans

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We grew frustrated with lending services in NZ that didn’t meet our needs. We’re fed up with the lack of transparency, simplicity, and unfair terms.

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So we made something different… Something new

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We went back to basics, creating one simple loan that works for more New Zealanders. A loan that changes when you change. Easy!

Apply Now

The (Almost) 5-star Personal Loan Company

SMB has earned a Trust Pilot score of 4.9 stars, with over 3,368 5-star reviews.

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But why do over 3,368 customers love SMB?

Five-star review highlighting fast service, mentioning a top-up completed within 24 hours. Dated June 20, 2024.
Customer review with five green stars, praising customer service representative and mentioning acceptance despite bad credit, dated June 26, 2024.
Customer review with five stars, praising SMB for excellent service with text by Susanna, dated June 4, 2024.
A customer review with five-star rating stating: 'Fast, Professional and Polite. The best finance company I’ve ever dealt with, and I work for one. Li, 20 June 2024.'
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We’re here to make it easy

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Same-day funding

Get your funds as quickly as the same day your loan is approved so you can get moving ASAP.

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Not secured to your home

Our rates may be higher than a bank, but we don’t secure against your home.

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Trusted by 30,000 Kiwis

And with over 3,368 5-star reviews, know you’re in good hands.

Make the Most of Life's Moments, Today.

Make the Most of Life's Moments, Today.

Why people are choosing SMB

Superhero to the rescue

“We were having a hard time due to the pandemic but SMB gave us the breathing space that we needed. Their service is great, and they help you out as much as they can. Thanks team! By far the easiest way of getting a loan.”

Don, Oct 2021

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This company actually…

“… takes the time to really give people the opportunity and chance to get a loan, which is all a lot of people need these days – just that 1 chance.”

Thomas, Mar 2024

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Wow!

“… It was easy to apply online, and your response was fast. The team communicated and updated me regularly. I didn't expect it to be approved when I applied, but I thought I would apply. Thank you so much. Your team walks the talk.”

Noulini, Jul 2024

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Grab a Car Repair
Loan and Save 60% on Your Interest Costs*

Hard to believe it costs that much to repair a car! Get back up and going faster with a Car Repair Loan with us.

And it couldn’t be easier! Right now, you could Save 60%* on interest costs on SMB's new lower interest rate loans, now up to $20,000.

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*Savings based on $2,500 loan repaid over
36 months @ 19.95% Interest (compared to our previous rate of 49.95%).

Grab a Holiday Loan and Save 60% on Your Interest Costs*

Escape the winter blues and head off on the family vacation you’ve always wanted! Why delay when you don’t have to? With our Holiday Loan, you can travel now and pay later, turning your dream future getaway into a reality today!

And it couldn’t be easier! Right now, you could Save 60%* on interest costs on SMB's new lower interest rate loans, now up to $20,000.

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*Savings based on $2,500 loan repaid over
36 months @ 19.95% Interest (compared to our previous rate of 49.95%).

Grab a Home Improvement Loan and Save 60% on Your Interest Costs*

Transforming your life sometimes begins with transforming your home. With our Home Improvement Loan, you can quickly create the home you want, faster. Start your journey to a rejuvenated home/life today!

And it couldn’t be easier! Right now, you could Save 60%* on interest costs on SMB's new lower interest rate loans, now up to $20,000.

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*Savings based on $2,500 loan repaid over
36 months @ 19.95% Interest (compared to our previous rate of 49.95%).

Grab a Medical Loan and Save 60% on Your Interest Costs*

Medical events happen when you least expect them, and we understand how stressful that can be. The last thing you want to hear from a lender is ‘no.’ We’re committed to doing our best to support you and provide the financial assistance you need.

And it couldn’t be easier! Right now, you could Save 60%* on interest costs on SMB's new lower interest rate loans, now up to $20,000.

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*Savings based on $2,500 loan repaid over
36 months @ 19.95% Interest (compared to our previous rate of 49.95%).

Ready. Set. Go!

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Our standard annual interest rates range from 19.95% to 49.95% per annum, with an establishment fee of $240 and an account fee of $4 (when paying monthly), $2 (when paying fortnightly), or $1 (when paying weekly). Normal lending criteria and responsible lending enquiries apply.

Ready to break up with your bank?

Apply for a loan in minutes. You can take that holiday, fix your car or home or pay for a medical treatment right away - no branch visits – no securing against your home.

Mint

The Casual Guide to Financial Freedom