Welcome to Smartcover Finance

Tell us what you need, we’ve got you covered!

Smartcover Finance are completely New Zealand owned and have been operating since 2008. Our dedicated loan team in our Auckland office handle all applications and inquiries. Even with a busy office, our aim is to process your application in as little as 60 minutes.

Our lending decisions are based on your current situation – not just your credit history. We do not discriminate against beneficiaries. Using the information you provide in your finance application, we are able to ascertain your needs. This allows us to give you the most flexible finance option that best suits you and your lifestyle. 

We offer both interest free* and low interest on loans from $200 to $5,000. Once you loan is approved, your repayments are customised by our lending team to suit your income and budget.

The best and the quickest way to apply for a loan with Smartcover is to apply using our online application form. The application takes around 5 minutes to complete.

For those customers with a current loan, we can offer a top up on your loan for any further finance required. Please contact us to discuss the details of your top up request and to ensure your details are current.

If you have had a loan with us in the past which has been paid off in full, please apply online to ensure your supporting documents and contact details are up to date. 

You must be a NZ Citizen or Permanent Resident
Aged 18 years or over
Photo ID (Drivers Licence, Passport)
Proof of Income (Bank Statement, Pay Slip)
Proof of Address (Utility Bill, Tenancy Agreement)
Own a vehicle for loan security (we can accept unsecured loans on a case by case basis)

We've got you covered!
Use the Agent Locator to find a Smartcover Finance Agent in your area.  If your existing provider is not yet a Smartcover Finance Agent, call us to get them set up.
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Registered NZ Financial Service Provider (FSP#345366)  •  Member of the Financial Dispute Resolution Scheme
Smartcover Finance Ltd is committed to being a responsible lending company.  ...more on Responsible Lending