Need Finance?

Smartcover Finance has got you covered​

Loans upto 15K

No deposit up to 36 month terms

Repayments to suit your income and budget

Available throughout New Zealand

Low application and booking fees

Smart Cover Finance

What we finance?

Here at Smartcover, we can assist you with financing the purchase of wide range of goods and services. We are continuously expanding our business partners, so if the area of finance that you are interested in is not shown below please contact us. We’ll be happy to consider your application.

Vetcare Finance

Vetcare Finance

Need pet care, but can’t afford the vet bills? With a loan from VetCare Finance, your pet can receive urgent and regular veterinary care.

Vehicle Repair Finance

Vehicle Repairs Finance

It can be a frustrating time when your car needs repairs and you just can’t afford it. We are here to assist you with your auto repairs and upgrades.

Healthcare Finance

Healthcare Finance

We know how stressful it can be when you or a family member needs healthcare you just can’t afford. We’ll cover the costs to get you back to feeling 100%

How it works?

With our fast, simple application process, we aim to process your application in as little as 60 minutes.

Apply Online

Online application takes around 5 minutes to complete.

Step 2

Decision Outcome

We will contact you to inform you of the outcome as fast as possible

Step 3

Receive Funds

VetCare Finance we will pay the balance of your invoice directly to your vet.

Smartcover Finance

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 inquires.

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 enables us to provide you the most flexible finance option that best suits you and your lifestyle.

With our fast, simple application process, we’ll ensure your loan is approved in no time. The application takes around 5 minutes to complete.

Joining as a partner

Smartcover Finance - working with businesses throughout New Zealand

We partner with a wide range of businesses around the country providing finance to customers for their goods and services. There’s no cost to sign up with us just fill out our Business Partner registration form and you can become a Smartcover Finance Partner. By working with us, you can provide an easy financing solution at your business. Don’t lose out on those important sales opportunities due to funding issues.

What Our Customers Have to Say

“Just want to say how absolutely awesome the staff at Vet care finance  have been.. being able to pay them back at an amount I could afford, was such a relief”

Sarah, Wellsford

“Thank you so much to the team for helping me with all my cats”

Annabel, Auckland

“The team always go the extra mile  to find the most affordable solution for our customers”

Kate,Clinic CSR Manager
Clinic CSR Manager ,Hamilton

Frequently Asked Questions

Yes, we can approve your application before you visit the business you wish to purchase the good and services from – so you know the costs will be covered beforehand.

Our Interest rates start at 14.95% per annum and vary according to your credit score. Our loan default interest rate is 6% per annum above your contract interest rate.

There is a standard $65 Application fee and a Booking fee that varies. The Booking fees are dependent on the total amount being financed and are only payable by you if your application is approved and loan documents created. These range from $100 to $350 depending on the loan value.

In most cases, yes. Providing your loan is up to date and you have an excellent payment history. Please call us during business hours to discuss your requirements.

Smartcover Finance is committed to being a responsible lending company and is a registered member of the Financial Service Provider Register, as well as the Financial Dispute Resolution Scheme.