Need Finance?

Smartcover Finance loans have got you covered

Loans up to 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 Loan Finance

What type of loans do 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 provides fast loans and flexible repayment options, so your furry friend can get health care they need.

Vehicle Repair 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

We know how stressful it is 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, subject to responsible lending inquiries.

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Apply Online

Online application takes around 5 minutes to complete.

Step 2

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Decision Outcome

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

Step 3

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Receive Funds​

Smartcover Finance we will pay the balance of your invoice directly to the business.

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.

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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 loan application before you get help at the vets or your automotive workshop before you even book in to see them. This will help take the stress out of thinking where your are going to find the money once you know that the final costs are.

Our Interest rates start at 14.95% per annum and vary according to your credit score.

There is a standard $200.00 Establishment  fee for all new loans. For loans the require a vehicle for security an additional $30.00 PPRS fee that will be added to your loan. To know the exact cost please call us on toll-free 0508 738 765 and we can give you an obligation free quote.

In most cases, yes. Providing your loan is up to date, we can Top Up your account.

Absolutely yes, Smartcover Finance Limited 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. We pride ourselves on our responsible guideline as it keeps our customers safe. 

Yes we do offer 6 months interest free for loans between $500 – $5000.

*This is subject to your credit score