SMB – Formerly Save My Bacon

From 12.95% pa

We’re SMB, your rebranded Save My Bacon! Get low-rate loans from 12.95% pa*, with fast, easy applications and trusted reliability (4.9/5 stars on Trustpilot). Apply now for a seamless process.

Apply in 7 mins
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What happened to ‘Save My Bacon’?

Find Out

Better Than Banks, Now Rebranded

Our rebranded loans beat banks with competitive rates and a process made for returning Kiwis:

Why SMB Wins

Lender

Starting Rate pa

Fast approvals, 12.95%-49.95% p.a.*, easy apply, no hidden fees.

SMB
(Save My Bacon)

12.95%*

Higher rates, slower processes – SMB saves time.

Westpac

13.90%

Bank bureaucracy vs. our quick, reliable loans.

ANZ

9.95%

Competitive, but our fixed rates suit loyal Kiwis.

Kiwibank

13.90%

*Rates from 12.95% to 49.95% pa based on credit assessment.

Why Choose the New SMB?

We’ve rebranded but kept what you love – fast, easy, trusted loans for debt consolidation, renovations, or emergencies:

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Bank-Beating Rates

Start at 12.95% pa** – cheaper than most banks.

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Lightning-Fast Approvals

Apply online, get decisions in minutes.

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Flexible Terms

Tailored repayments to suit your life.

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Trusted by Thousands

4.9/5 stars on Trustpilot from happy Kiwis.

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No Hidden Fees

Full transparency – what you see is what you get.

Calculate Your Loan

**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. Rates as of September 2025, subject to change.

Get a personal loan with SMB

Advertisement for a loan offer with 36% savings, a new loan amount of $2,500, discounted rate of $21 per week, apply in 7 minutes.

  • 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)

A promotional graphic for a loan offer with a pink background. It features a 20% savings message, the original loan amount of $5,000, a crossed-out rate of $51 per week, and a new rate of $41 per week. There is a call-to-action button that says 'Apply in 7 Minutes'.

  • 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)

A promotional graphic highlighting a 20% savings on a $10,000 new loan, with the original 100% interest rate crossed out and replaced with an 80% rate. The text states "Save 20%***" and "Apply in 7 Minutes."

  • 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)

Apply – It’s Quick and Easy

Join thousands of returning Kiwis in Auckland, Wellington, Christchurch, and across NZ trusting SMB for fast, reliable loans. Apply now for a transparent process with quick funds, tailored to you.

Apply Now – Welcome Back

*Savings are calculated based on a $2,500 loan repaid weekly over 36 months at 12.95% pa interest, compared to our previous rate of 49.95% p.a. 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.

**Savings are calculated based on a $5,000 loan repaid weekly over 36 months at 12.95% pa interest, compared to our previous rate of 29.95% p.a. 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. Total repayments, including all fees, range from $6,482.75 (at 12.95% pa) to $10,273.38 (at 49.95% pa), incorporating a $240 establishment fee and $156 in account maintenance fees.

***Savings are calculated based on a $10,000 loan repaid weekly over 36 months at 12.95% pa interest, compared to our previous rate of 29.95% p.a. 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. Total repayments, including all fees, range from $12,519.84 (at 12.95% pa) to $19,927.06 (at 49.95% pa), incorporating a $240 establishment fee and $156 in account maintenance fees.

Fast 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

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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!

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.

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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’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.

Apply in 7 Minutes
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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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Ready. Set. Go!

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Our standard annual interest rates range from 19.95% to 49.95% per annum, with an establishment fee of $240 and an account fee of $4 (when paying monthly), $2 (when paying fortnightly), or $1 (when paying weekly). Normal lending criteria and responsible lending enquiries apply.

Ready to break up with your bank?

Apply for a loan in minutes. You can take that holiday, fix your car or home or pay for a medical treatment right away - no branch visits – no securing against your home.

Apply in 7 minutes