A man wearing glasses kisses a smiling baby on the cheek outdoors.

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.

White dashed line forming a loop on a black background

Two young children hugging on a dirt path in a field with autumn colors.

So we made something different… Something new

Photographer reflected in car side mirror with ocean view

Curved dashed line with arrowheads on both ends

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.

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.'

We’re here to make it easy

Illustration of a rubber stamp making a checkmark on a pink background.

Same-day funding

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

Icon of a house with a purple roof, white walls, and blue windows on a pink circular background.

Not secured to your home

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

Illustration of a blue ribbon with a white round badge featuring a purple checkmark, set against a pink background.

Trusted by 30,000 Kiwis

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

Apply in 7 Minutes

Take the Quiz

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

Illustrated horse head, stylized chess knight piece with purple and yellow colors.

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

Illustration of a red and white target with a yellow arrow in the center.

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

Illustration of a colorful stopwatch with a blue border and yellow buttons.

Ready. Set. Go!

Infographic showing a process: "Apply in 15 mins" with a document icon, followed by "Receive Funds Same Day" with a money bag icon, ending with "Bingo!" and a beach umbrella icon.

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.