# SMB Money Limited
> SMB Money is a New Zealand personal loan provider offering fast, unsecured loans from $500 to $20,000 with interest rates starting at 12.95% p.a. Registered as FSP41567 under the Financial Service Providers Act 2008. Trusted by over 30,000 Kiwis with a 4.8/5 Trustpilot rating. Apply online in 7 minutes with same-day funding available.

## Company Details
- Trading name: SMB Money (SMB Money Limited)
- FSP number: FSP41567
- Location: New Zealand
- Phone: 03 288 2562
- Loan range: $500 – $20,000
- Interest rates: 12.95% – 49.95% p.a.
- Establishment fee: $240
- Account maintenance fee: $1–$4 per payment depending on frequency

## Loan Products
- Car and car repair loans
- Holiday loans
- Home improvement loans
- Medical loans
- Education loans
- Wedding loans
- Debt consolidation loans

## Eligibility Requirements
- New Zealand citizen or permanent resident
- 18 years or older
- Active bank account (at least one pay cycle)
- Regular income electronically deposited (minimum $400/week net)
- Valid email, active mobile phone, and verified ID
- Responsible credit history with no current delinquent collections or bankruptcy

## Key Differentiators
- Rates starting at 12.95% p.a. — lower than most major NZ banks for unsecured personal loans
- Not secured against your home
- 7-minute online application
- Same-day funding after approval
- 4.8/5 Trustpilot rating with 3,865+ five-star reviews

## Pages
- [Home](https://www.smb.nz/): Overview of SMB Money, low-rate personal loans, and Trustpilot reviews
- [Apply Now](https://www.smb.nz/apply): Online loan application — takes approximately 7 minutes
- [Explore Our Loans](https://www.smb.nz/explore-our-loans): All loan product categories with details
- [Car Loans](https://www.smb.nz/products-car-loans): Car purchase and car repair loan details
- [Holiday Loans](https://www.smb.nz/products-holiday-loans): Travel and holiday financing
- [Home Improvement Loans](https://www.smb.nz/products-home-improvment-loans): Renovation and home upgrade loans
- [Medical Loans](https://www.smb.nz/products-medical-loans): Medical procedure and health expense loans
- [Education Loans](https://www.smb.nz/products-education-loans): Study and education financing
- [Wedding Loans](https://www.smb.nz/products-wedding-loans): Wedding financing
- [Debt Consolidation](https://www.smb.nz/products-debt-consolidation): Consolidate existing debts into one loan
- [Do I Qualify?](https://www.smb.nz/do-i-qualify): Eligibility criteria explained
- [Loan Calculator](https://www.smb.nz/calculate-your-loan): Estimate repayments and costs
- [How It Works](https://www.smb.nz/how-it-works): Step-by-step application and funding process
- [Help Centre](https://www.smb.nz/help): General support and guidance
- [Applying for a Loan](https://www.smb.nz/applying-for-a-loan): Application process FAQ
- [Repaying Your Loan](https://www.smb.nz/repaying-your-loan): Repayment options and info
- [FAQs](https://www.smb.nz/faq): Frequently asked questions
- [Financial Hardship](https://www.smb.nz/hardship): Support for borrowers in financial difficulty
- [Complaints](https://www.smb.nz/complaints): Complaints process
- [Contact Us](https://www.smb.nz/contact-us): Get in touch with SMB
- [Mint Blog](https://www.smb.nz/mint-the-smb-blog): Financial literacy and personal finance articles
- [Interest and Fees](https://www.smb.nz/legal-interest-and-fees): Full fee and rate schedule
- [Terms and Conditions](https://www.smb.nz/legal-terms-conditions): Legal terms
- [Privacy Policy](https://www.smb.nz/legal-privacy-policy): How SMB handles personal data
- [Security Policy](https://www.smb.nz/legal-security-policy): Data security practices
- [Responsible Lending](https://www.smb.nz/legal-responsible-lending): Responsible lending obligations
- [Loan Agreement](https://www.smb.nz/legal-loan-agreement): Standard loan agreement details
- [Important Borrower Information](https://www.smb.nz/important-borrower-information): Key info for borrowers
- [Login](https://www.smb.nz/login): Existing customer portal
- [Careers](https://www.smb.nz/company-careers): Work at SMB
- [Trustpilot Reviews](https://www.trustpilot.com/review/smb.nz): Independent customer reviews