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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.

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*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).

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).

Loans for Every Kiwi

Whether you're a busy professional with a top credit score or just getting your financial ducks in a row, SMB is for you. Our rates start at 12.95% pa and go up to 49.95%, so we cater to everyone – from debt consolidation dreams to unexpected "oops" moments.

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Prime Borrowers

Lock in bank-rivalling low rates without the corporate cold shoulder.

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Everyone In Between

Prime credit, or building up? Our rate range fits most.

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Everyday Heroes

Higher rates? No judgment – we're about helping you climb that financial ladder with ease.

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.

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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

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!

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Cheaper Than Most

12.95% beats the banks without the hassle.*

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For Everyone

Prime credit, or building up? 
Our rate range fits most.

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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).

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 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!

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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!

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It's quick, easy, with no drama!

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.

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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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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.

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*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.

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*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.

Illustration of a person watering potted plants with a watering can.

*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.

Illustration of a doctor consulting a patient who is sitting on a medical examination table, with a chart on the wall showing letters "A AA ABC," a clock, and a potted plant nearby.

*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.