Direct Debit Direct debit is the easiest way to pay your bill. On the due date, we withdraw the amount owing on your loan account. Download and complete the direct debit form. Scan and email it to us, or mail it. Contact details are as belowEmail: finance@smartcover.co.nzAddress:Unit E 3/2 Ceres CourtRosedaleAuckland 0632Direct Debit Form Download