Welcome to our online application page which should take 2 - 3 minutes to complete. Approvals normally take between one to two hours, please complete as much of the application as possible. Compulsory fields are marked with an asterix. If you have any queries whilst completing this application, please contact us on 0800 255 155 and we will talk you through it or we can complete the application over the phone.

Personal Details

Contact Details

Employment Details

Loan and Income Details

Please check the terms and disclosure boxes above before continuing.

Privacy Declaration

Privacy Act 1993 - Loansmart Ltd t/a Loan Direct is committed to protecting your privacy and maintaining
security of the information you provide to us. We abide by the laws relating to
privacy and safeguarding of information.


I/we declare that:

  1. I/We have read and understood this application and certify that the information
    provided is true and correct in all respects and that I/We are no less than 18 years
    of age and I/We am/are not an undischarged bankrupt.
  2. I have also disclosed any other names I am known under.
  3. I/we are aware that if we have deliberately provided false information in this application,
    I/we could face fraud or dishonesty charges in the courts.


You authorise Loansmart Ltd t/a Loan Direct to send this application to any third party (the Finance
Company) and agree that either Loansmart Ltd t/a Loan Direct or the Finance Company may do the following:

  1. You understand that Loansmart Ltd t/a Loan Direct / the Finance Company is asking for personal information
    about you to use Veda Advantage Ltd’s credit report service to credit check
  2. You understand that Veda will give us personal information about you.
  3. You understand that we will give your personal information to Veda and they will
    hold that information and use it to provide their credit reporting service.
  4. You understand that when other Veda customers use the Veda credit reporting service,
    Veda may give that information to them.
  5. You understand that we may use Veda’s credit reporting services in the future
    for purposes related to the provision of credit to me. This may include use of Veda’s
    monitoring services to include updates if information about you changes.
  6. You understand that if you default in your payment obligations to us, information
    about that default may be given to Veda and Veda may give that information about
    your default to other Veda customers.
  7. Loansmart / the Finance Company will use the information they collect about you to assess your
    Application and verify your identity. We/they may disclose to, and obtain from, Credit Reporting and Government Agencies,
    other Credit Providers and Insurers, personal information about you for these purposes.

Pursuant to the Privacy Act 1993 I authorise Loansmart Ltd t/a Loan Direct or the Finance Company
to contact Veda Advantage Limited, Credit Providers, Finance Companies, my Employer,
Accountant, Bank, Solicitor or any other source including Government agencies, to
obtain, check and exchange (both now and in future) such personal financial and
commercial information for the purposes of considering this or any subsequent application,
the protection and administration of any loan arising out of this application (both
now and in the future) and to assist in the enforcement of any agreement between
me and Loansmart Ltd t/a Loan Direct or the Finance Company. I understand I have the right to
know who is collecting and holding information and also the right to have access
to it and to correct if it is wrong. The contact details for Loansmart Ltd t/a Loan Direct and Veda
Advantage Limited are as follows:

Loansmart Ltd, P O Box 28 231, Remuera. www.loansmart.co.nz Veda Advantage Ltd,
Private Bag 92 156, Auckland. www.mycreditfile.co.nz