Merz Constructions

Smartcover Finance has got you covered

Providing Loans from $200 to $15,000 when you need it – We’ve got you covered!

We offer both Interest Free* and Low Interest loan types and are able to customise repayments to suit your income and budget.

New Zealand owned and operated since 2008, our dedicated Loan Team in our Auckland office handle all applications and enquiries and can process your Application in as little as 60 minutes.

We can assist you with finance for Automotive Repairs and Upgrades.  Your Pets Veterinary bills,  or Personal loans for your own Healthcare.

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

Apply Online


  • 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)
  • In some cases, a guarantor may be required
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