Take Off Now With an SMB Holiday Loan

Holidays are just around the corner? Make them memorable with an SMB Holiday Loan.

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Excellent Trustpilot rating from 3,300+ reviews

Five-star customer review with the text, 'I had a great customer rep... I have bad credit but thought I'd try anyways only to be accepted!! Lass, 26 June 2024.'"
A 5-star review with text "Very fast at making it happen." The reviewer mentions quick service for a top-up within 24 hours, signed by Robert, dated 20 June 2024.

Get started with a SMB Holiday loan

Feeling the pinch this festive season? A Holiday Loan from SMB can ease the strain and help you cover expenses without the stress.

  • Access to up to $20k

  • Trusted by over 30,000 Kiwis

  • Get funding in as little as 24 hours

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Up to $20,000, in 24 hours

Not secured to your home

Trusted by 30,000 Kiwis

Choose your new holiday loan

All bases covered

Good

Weekender

Escape the winter faster with holiday funding up to $5,000

49.95%
$500 - $5,000
Up to 3 years

  • Get peace of mind that your home is not at risk by being tied to your loan with SMB.

  • We know that your financial life can be a challenge, use this loan to get you back on the road.

  • Your payments will not increase, and instead be fixed for the duration of your loan.

    • Not secured against your home

    • Payment schedule that suits you (weekly, fortnightly or monthly)

    • Helps your credit score

    • Approval - typically less than 24 hours

    • No Interest on missed payments

    • Financial advice and Guidance
      Weekly webinar sessions

    • Discount on completion of first loan
      Valued customer discount

    • Service Guarantee
      Cancel and repay your loan at any time… no fees

    • Personal Guarantee
      If you get in trouble, we will treat you like a person with empathy and dignity.

    • Pay down faster

    • Earn Repayment Holiday (coming soon)

    • Earn Emergency Loan (coming soon)

From $9.16/w

Based on a $500 loan over 3 years @ 49.95% interest rate. Total amount paid: $1,584.58.

Better

Island Hopper

Take the whole family with holiday funding up to $15,000

29.95%
$500 - $15,000
Up to 5 years

  • Get peace of mind that your home is not at risk by being tied to your loan with SMB.

  • We know that your financial life can be a challenge, use this loan to get you back on the road.

  • Your payments will not increase, and instead be fixed for the duration of your loan.

    • Not secured against your home

    • Payment schedule that suits you (weekly, fortnightly or monthly)

    • Helps your credit score

    • Approval - typically less than 24 hours

    • No Interest on missed payments

    • Financial advice and Guidance
      Weekly webinar sessions

    • Discount on completion of first loan
      Valued customer discount

    • Service Guarantee
      Cancel and repay your loan at any time… no fees

    • Personal Guarantee
      If you get in trouble, we will treat you like a person with empathy and dignity.

    • Pay down faster

    • Earn Repayment Holiday (coming soon)

    • Earn Emergency Loan (coming soon)

From $5.49/w

Based on a $500 loan over 5 years @ 29.95% interest rate. Total amount paid: $1,686.50.

Best

Globetrotter

The world is your oyster. Get going with holiday funding up to $20,000

19.95%
$500 - $20,000
Up to 5 years

  • Get peace of mind that your home is not at risk by being tied to your loan with SMB.

  • We know that your financial life can be a challenge, use this loan to get you back on the road.

  • Your payments will not increase, and instead be fixed for the duration of your loan.

    • Not secured against your home

    • Payment schedule that suits you (weekly, fortnightly or monthly)

    • Helps your credit score

    • Approval - typically less than 24 hours

    • No Interest on missed payments

    • Financial advice and Guidance
      Weekly webinar sessions

    • Discount on completion of first loan
      Valued customer discount

    • Service Guarantee
      Cancel and repay your loan at any time… no fees

    • Personal Guarantee
      If you get in trouble, we will treat you like a person with empathy and dignity.

    • Everyday low regular payments

From $4.50/w

Based on a $500 loan over 5 years @ 19.95% interest rate. Total amount paid: $1,428.99.

★★★★★

3,300+ 5-star Reviews

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24/7

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The SMB
Holiday Loan

Improve your credit score

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Illustration of a person relaxing on a beach chair by the water, with a drink on a small round table next to them.

🏡

Not secured against your home

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😉

Pay off faster with one-off payments

30,000+ Customers

😍

Up to $20,000

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Tips and
ideas on
how to save

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Draw-down in as little as 24 hours

🥇

1 simple fixed rate

Apply in 7 mins

Loan calculator interface with sliders for pay frequency and income after tax.
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NZ Call Centre

⌛️

Top-ups in 5 minutes

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Why SMB

A way to ‘yes’ in an industry of ‘no’

We’re here to help you achieve the future you want, no matter where you start.

  • You’re more than your credit score

    At SMB, we look deeper at your situation and your goals.

  • Help when you need it

    We want you to take control of your financial future. 
We’re just a call away, so let’s see if we can help.

  • Trusted by over 30,000 Kiwis

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

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Personal loans for hassle-free funds, fast

  • Same-Day Funding

  • Not secured against your home

  • Lump sum payments help you pay off debt faster

  • Top-rated (5-Star) personal loans

  • Fixed Rate

  • Loans up to $20,000

Important

Things to consider before getting a holiday loan

1

Interest Rates
Compare rates to ensure affordability; lower is better but watch for introductory offers

2

Repayment Plan
Understand the term length and monthly payments; plan for quick repayment.

3

Loan Conditions
Check for prepayment penalties and loan flexibility.

Your loan could be just three steps away

Three-step process illustration: Apply in 15 minutes, receive funds same day, success symbolized by a beach umbrella with 'Bingo!' text.

Our standard annual interest rates are 29.95% - 49.95%, with an establishment fee of $240 and a monthly account fee of $4. Normal lending criteria and responsible lending enquiries apply.

  • Our personal loans help fund life’s smallest to biggest moments. Our products are designed to provide customers with access to competitively priced credit whenever and wherever they need it.

    Take a look to see whether you qualify for a loan and and take a look at our loan products here.

  • Making your loan repayments on time, leads to a brighter tomorrow through positive credit reporting! SMB has partnered with credit bureau Equifax to ensure customers benefit from paying their loans on time. Making your payments on time will positively impact your credit score, which is a great way to get your score moving in the right direction.

    Want to know more about what your credit score is and how positive credit reporting works? Check out our article here.

  • We know your loan is important to you, so we work hard to get it to you quickly! If your loan is approved on a business day, we will make payment to your bank on the same day.

    The exact time that funds will become available to you will depend on your bank, but it should be within a few hours post approval!

    We'll keep you updated on the status of your application by email and text, and you can also call our friendly customer team FREE on 0800 27 28 36 to discuss the status of your application.

    Click here for more information on our loan application process.

    All loan applications are subject to responsible lending inquiries.

  • You sure can! 

    Basically, a top-up is a new loan, just with a portion of the funds being used to settle your previous loan balance.

    You just need to make sure the top-up is enough to clear your existing loan balance AND cover off what you need the new loan for.

    The amount you can top-up by is dependent on your individual circumstances! Each top up request for additional funds is subject to a full credit assessment.

    What we look at when we assess your top-up loan application:

    • You have a history of making payments on time on your current Flex Loan

    • That the new loan remains affordable and there has been no significant change in your circumstances including changes in income, expenses and other financial commitments

    • The new loan continues to meet your requirements and objectives

    • You have demonstrated good account behaviour reflecting a responsible borrower. This means your bank statements don't show:

      1. Reversals to other credit and/or utility providers

      2. Transfers and withdrawals causing reversals

      3. Problem gambling impacting your ability to meet payment obligations

  • You can request an early repayment at any time at no extra cost or penalty!

    Please call our repayments team FREE on 0800 27 28 36 before making an extra payment so we can provide you with the exact balance to pay and adjust your repayment schedule if necessary.

    Click here for more information on repaying your loan.

  • We want to ensure you have the best borrowing experience possible and we have a number of options available to keep you on track. We encourage you to contact us if you can’t make a payment – we can talk about your options and adjust your repayments!

    Our friendly repayments team are here to help – give them a call FREE on 0800 27 28 36 or send an email to repayments@savemybacon.co.nz.

    We understand that sometimes you can struggle financially, we are here to help you! Although it can be tempting to just ignore the situation and hope things will improve for the better, missing a payment may hurt your credit score! If you feel things might get out of control or if your individual situation has changed, all you need to do is give us a call and we can help protect your score, and work together to find a repayment solution that is suitable.

    Click here for more information on repaying your loan.

    Click here for more information on financial hardship.

FAQs

Flowchart showing a process: "Apply in 15 mins" with a document icon, "Receive Funds Same Day" with a money bag icon, and "Bingo" with a beach umbrella icon, connected by dotted arrows.

Ready to get started?