Instant Loans Process

How Does It Work

no credit check loans nz

The quickest and easiest way is to apply ONLINE on this website at the Apply Now page.  Your details are secure and confidential and we are bound by the national privacy charter so you know that you personal information is safe.  We ask for your name, contact numbers, email address, how much you want to borrow, the purpose of the loan and your address.

You will receive an email to supply some supporting documents to finish your application. We usually don’t run credit check on your loan application until your supporting documents meet our loan requirements. Our no credit check loans process until the last step can stream line the whole loan application process. After you have supplied these documents one of our consultants will contact you to discuss your loan.

Documents will include:

  • 100 points of ID e.g. Drivers License, Medicare Card, Credit Card, Passport, Birth Certificate etc.
  • 2 recent pay slips
  • Last 90 days of your bank statements
  • A bill sent to your home address eg. electricity, car registration, phone bill.

You can simply scan and email your supporting documents to

The instant cash loan approval process can take as little as two hours and the funds can be transferred to your bank account overnight. We have also processed no credit check loans on the same day. You will need to provide all relevant supporting documents so that you don’t experience any delays. Once your instant loan is approved the loan deposit will be electronically transferred to your bank account that day.


By applying you are giving your consent to the use and disclosure of your personal information as part of assessing your application and then establishing and administering your account. Regardless of when or how the information is collected, your personal information may be shared between, and used by Direct Finance Loans, and given to smooth Finance that will provide the funds, the Lender, for the primary purpose and for related purposes including:

  • Consideration of any other application made by you to Direct Finance Loans for financial products or services.
  • Customer relations including management of our relationship with you and market or customer.
  • Satisfaction research and product development.
  • Compliance with legislative and regulatory requirements (including without limitation the Anti-Money Laundering).
  • Compliance with payment systems requirements.
  • Our internal operations including record keeping, risk management, securitization, credit scoring and portfolio analysis and
  • Arrangements with other organizations to provide services in relation to our products and services.

I/We by applying authorize Direct Finance Loans LTD and their Lenders to do the above in accordance with the Privacy Act. Further, I/We acknowledge that by applying we agree that this authority is a continuing authority that has effect before, during and after the provision of any credit.