Pre-approved finance

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Pre-approved Finance

Why organise it before?

Pre-approved finance, gives you the benefits of being a cash buyer for which there is no better bargaining power.

Having cash ready, particularly when buying a car can literally save you hundreds of dollars – dealers don’t want to watch you walk over to another car yard with a pocket full of money.

The same can be said for other big ticket items. Most stores including the bigger chain stores can discount on the spot quite heavily for a cash buyer – all you’ve got to do is ask when you have cash at hand.

Our pre-approved finance application form takes less than five minutes. In fact the majority of our loans are completed and paid out the same business day.  If you want that item now, you can have it so.

No queues, no appointments – simply apply online now, anytime, 24/7.


Apply Now


  • 18 years or over
  • NZ resident (citizen/permanent residency)
  • Be earning, employment or self-employed
Pre-approved Finance
Pre-approved Finance

How to Apply for Pre-Approved Finance

  1. Check your eligibility above and complete our online application
  2. Provide any required documents such as payslips and identification following your application (we’ll be in touch)
  3. Accept the contract provided
  4. Typically within 24 hours of your contract acceptance, funds will be in your account

Quick Questions

How much will the interest rate be?

That all depends on your overall circumstances, if you’ve got good credit your rate will be lower than someone with good credit for example.

Is this fully online?

The online application process is, but of course a human does get involved at our end, call us old-fashioned. You’ll be assigned your very own consultant who will go through your loan application with you and obtain your ID and other information. You can also email your last two months bank statements if you have them, alternatively we can send you a link to download and send your statements directly to us.

Who will see my application?

We treat your application confidentially and the only people who will see your application are Loansmart and any Finance Company that we send it to. All applications that do not proceed are securely destroyed.