Loan Direct
About Us
Loan Direct is a Finance Broker and our job is to find the best deal available for you based on your circumstances. We do the running around so you don’t have to and with our lending partners will find the right deal for you.
Loan Direct is a trading name of Loansmart Limited and Loansmart has a class 2 Financial Advice Provider Licence issued by the Financial Markets Authority to provide Financial Advice. With over 15 years of experience in the lending market, you can rest assured that we know what we are doing and look forward to providing great service to you.
You can view the Loansmart Disclosure statement here
Loansmart is an Associate Member of the Financial Services Federation, we support and promote responsible behaviour when providing financial services to New Zealanders. Here are links to the Responsible Lending Guidelines and The Code of Responsible Borrowing.
Loan Direct
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- Your personal circumstances including your age
- What existing loans you have and whether they will be repaid with this loan
- Recent bank statements to confirm your income and expenses
- Whether your employment is full, part time or casual
- What assets you have and their value
- Details of your credit history and your consent to a Credit Check
- Requesting to see your identity documents (drivers licence/passport etc)
Loan Direct
Getting Sorted
To understand your needs we may also ask the following:
- The amount you would like to borrow
- When you require the funds
- The purpose of the loan
- The loan term that best suits your needs/budget
It is very important to us that you understand your contract and we endeavour to do the following:
- Make sure you know your rights and responsibilities before you sign the contract
- Have clear terms and conditions that are easy to understand
- Ensure you understand the interest rate & fees that apply to your Contract
- Clearly specify any security being used and ensure you are aware of this
- That you understand what may happen in the event of non payment (repossession or sale of any property that you have provided as security)
- Give you this information at the time you apply and have details on our website
