Better Rates. Faster Approvals. Simpler Loans.
Are You a 😆 Saver 😬 Spender 😇 Planner or 🥰 Free Spirit?
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Are You a 😆 Saver 😬 Spender 😇 Planner or 🥰 Free Spirit? ⋆
12.95%
Low Interest Loans NZ
Looking for a smarter way to borrow in New Zealand? Say goodbye to sky-high bank rates and hello to low-interest loans starting at just 12.95% – that's lower than ANZ or Westpac, designed especially for Kiwis with good credit.
*The 12.95% rate applies to our lowest-risk customers; your actual rate may vary between 12.95% and 49.95% depending on risk factors. An establishment fee of $240 and account maintenance fees of $1-$4 per payment apply (see more here).
Time to Break Up With Your Bank?
Fast, low-cost 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.
Car & car repair loans
Holiday loans
Home improvement loans
Medical loans
How we stack up with the big banks
Don't just take our word for it – check the facts. We've crunched the numbers on starting unsecured personal loan rates from major NZ lenders. SMB's 12.95% pa** puts us ahead of the curve for most banks*, making us a no-brainer for smart borrowers.
*Rates as published on 23 February 2026 - subject to change and credit checks: https://www.interest.co.nz/borrowing/personal-loan. **The 12.95% rate applies to our lowest-risk customers; your actual rate may vary between 12.95% and 49.95% depending on risk factors. An establishment fee of $240 and account maintenance fees of $1-$4 per payment apply (see more here).
At SMB, we're the fresh start you deserve
Banks are like that ex who promises the world but delivers endless queues, hidden fees, and rates that sting. We've all been there – scrolling through statements, wondering where your money went. But hey, it's not you... It's them!
Cheaper Than Most
12.95% beats the banks without the hassle.*
For Everyone
Prime credit, or building up? Our rate range fits most.
Made Easy
Apply and find out your rate in under 7 minutes.
*The 12.95% rate applies to our lowest-risk customers; your actual rate may vary between 12.95% and 49.95% depending on risk factors. An establishment fee of $240 and account maintenance fees of $1-$4 per payment apply (see more here).
Ready to Break Up with Your Bank?
Tired of those awkward bank relationships, where everything's shrouded in secrecy, fine print, and the wait feels… eternal? At SMB, we're cutting through the mystery and red tape – say goodbye to hidden fees, endless delays, and loans that drag on forever, and hello to crystal-clear terms and lightning-fast approvals. Let's get your financial life under control!
It's quick, easy, with no drama!
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.
So we made something different… Something new
We went back to basics, creating one simple loan that works for more New Zealanders. A loan that changes when you change. Easy!
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.
But why do over 3,368 customers love SMB?
We’re here to make it easy
Same-day funding
Get your funds as quickly as the same day your loan is approved so you can get moving ASAP.
Not secured to your home
Our rates may be higher than a bank, but we don’t secure against your home.
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
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
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
Car & Car Repair Loans – From 12.95%
Get behind the wheel or back on the road faster with SMB’s low-rate car and repair loans. Starting at 12.95% p.a.*, we offer quicker approvals than banks, no hidden fees, and flexible repayments tailored to your needs. Whether buying your next car or fixing an unexpected breakdown, enjoy transparent terms and trusted service – 4.9/5 stars on Trustpilot. Apply online in minutes and drive away with confidence.
*The 12.95% rate applies to our lowest-risk customers; your actual rate may vary between 12.95% and 49.95% depending on risk factors and the amount borrowed. Total repayments, including all fees, range from $3,464.19 (at 12.95% pa) to $5,446.34 (at 49.95% pa), incorporating a $240 establishment fee and $156 in account maintenance fees. Responsible lending inquiries apply.
Holiday Loans from 12.95%
Make your next getaway unforgettable without bank delays or high rates. SMB offers low-rate personal loans starting at 12.95% p.a.*, with quick online approvals in minutes, transparent terms, and repayments that fit your travel plans. Whether it’s a family trip, romantic escape, or adventure abroad, enjoy the same reliability trusted by thousands (4.9/5 on Trustpilot) and get funds fast to book your flights and memories. Apply now and travel with peace of mind.
*The 12.95% rate applies to our lowest-risk customers; your actual rate may vary between 12.95% and 49.95% depending on risk factors and the amount borrowed. Total repayments, including all fees, range from $3,464.19 (at 12.95% pa) to $5,446.34 (at 49.95% pa), incorporating a $240 establishment fee and $156 in account maintenance fees. Responsible lending inquiries apply.
Home Improvement Loans from 12.95%
Turn your home vision into reality without bank delays or high rates. SMB offers low-rate personal loans starting at 12.95% pa*, with quick online approvals in minutes, transparent terms, and repayments that fit your budget. Whether it’s a kitchen upgrade, bathroom refresh, or whole-home reno, enjoy the same reliability trusted by thousands (4.9/5 on Trustpilot) and get funds fast to start your project today. Apply now and transform your space with confidence.
*The 12.95% rate applies to our lowest-risk customers; your actual rate may vary between 12.95% and 49.95% depending on risk factors and the amount borrowed. Total repayments, including all fees, range from $3,464.19 (at 12.95% pa) to $5,446.34 (at 49.95% pa), incorporating a $240 establishment fee and $156 in account maintenance fees. Responsible lending inquiries apply.
Medical Loans from 12.95%
Take care of health expenses without the bank stress. SMB offers low-rate personal loans starting at 12.95% pa*, with quick online approvals in minutes, transparent terms, and repayments that fit your life. Whether it’s a procedure, dental work, or unexpected medical bill, enjoy the same reliability trusted by thousands (4.9/5 on Trustpilot) and get funds fast to focus on what matters – your wellbeing. Apply now and get back to health sooner.
*The 12.95% rate applies to our lowest-risk customers; your actual rate may vary between 12.95% and 49.95% depending on risk factors and the amount borrowed. Total repayments, including all fees, range from $3,464.19 (at 12.95% pa) to $5,446.34 (at 49.95% pa), incorporating a $240 establishment fee and $156 in account maintenance fees. Responsible lending inquiries apply.
Ready. Set. Go!
Our standard annual interest rates range from 12.95% to 49.95% per annum, with an establishment fee of $240 and an account fee of $4 per month (when paying monthly), $2 per fortnight (when paying fortnightly), or $1 per week (when paying weekly). Normal lending criteria and responsible lending inquiries apply.
