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How Much Can I Borrow?

Unsecured Loan Repayment Calculator

Want to know how much your weekly repayments will be? Try our quick and easy online loan repayment calculator. These repayments are for an Unsecured Loan and are indicative only. All loans are subject to full application, Lenders Conditions and confirmation from a Loan Direct representative.

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How much?

How much?

Repayment Term	Weekly	Total Payable
12 months	$0	$0
24 months	$0	$0
36 months	$0	$0
48 months	$0	$0
60 months	$0	$0
72 months	$0	$0
84 months	$0	$0

Calculated at an example rate of 12.95% – our Annual Interest Rates (AIR) range from 9.95% – 35.50% with loan terms of 6 Months to 84 months.
Fee’s apply including a Lender Establishment fee of up to $215 and a Loansmart Fee of up to $995
Approval is subject to Lending Criteria, affordability assessment and confirmation from a Loansmart representative.

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Apply in just 2 minutes and have an answer within 1-2 hours*. Once approved funds are deposited into your account the same day*.

*Subject to responsible lending checks and lending criteria.

or call us on 0800 255 155

8:00AM to 5:30PM Weekdays

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*Annual Interest Rates (AIR) range from 9.95% p.a. to 35.50% p.a. with loan terms of 6 months to 84 months. Fees apply.

Example: A loan of $10,000 over 60 months at 12.95% has a Lender Establishment Fee of $215, a Loansmart fee of $745 and a weekly payments of $57.33. The total amount payable is $14,906.36. This equates to an Annual Percentage Rate (APR) of 17.12%

Important Information

1. Loansmart Limited (FSP #7461, trading as Loan Direct) holds a Full Class 2 Financial Advice Provider Licence issued by the Financial Markets Authority to provide financial advice, and is a member of Financial Services Complaints Ltd, our FSCL Number is 617.

2. It is free to complete an application. A fee to use our service is only applicable when you enter into a loan arranged by us.

3. *Rates of 9.95% are subject to lending criteria and eligibility. 1-hour approval and same-day payout subject to the applicant meeting our lending criteria and supplying all the information we need to process their application. We do not offer “short-term” loans, the terms offered by our providers range from 6 months to 84 months.

4. Annual Percentage Rate (APR): Also known as the ‘comparison rate’, the APR is calculated by adding together the AIR plus any additional fees that may apply (like establishment fees charged by providers). New Zealand law does not require APR disclosure, but doing so can better highlight borrowing costs.

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