Online Application

How much amount do you need?

$500 $15,000

Personal Info

Title

Is this a joint Application? *

Getting to know you more

Gender *

Relationship Status *

Number of dependent *

Current Address

Accomodation Type *

Do you have proof of address? *

(bank statement, bills etc with your name and address on it)
*Please make sure your proof of address is dated within 3 months of todays date and that this date is visible.

Alternative Contact Person Info. *

(must reside at a different address as the applicant)

ID Verification of

Type of identification *

For NZDL

Do you have proof of ID? (Proof of ID must be current) *

(you can upload a scanned copy or take a photo to upload)

Do you have a recent selfie for identification purposes? *

(you can upload a scanned copy or take a photo to upload. Your selfie photo will be cross referenced with your photo identification.)

Employment Details of

Employment status *

Income And Expense

Income frequency *

Expense Frequency *

Joint Applicant Details

Gender *

Relationship Status *

Number of dependent *

Joint Applicant contact same as Applicant *

Joint Applicant Alternative Contact Person same as Applicant *

ID Verification of

Type of identification *

For NZDL

Do you have proof of ID? (Proof of ID must be current) *

(you can upload a scanned copy or take a photo to upload)

Do you have a recent selfie for identification purposes? *

(you can upload a scanned copy or take a photo to upload. Your selfie photo will be cross referenced with your photo identification.)

Employment Details of

Employment status *

Income And Expense

Income frequency *

Expense Frequency *

Vehicle Details

Security is required for all loans over $2000 and for mags, tyres, vehicle repairs and personal loans.Vehicle's must be registered to the person/s applying for finance

As the registered owner, I give Smartcover Finance permission to use the above vehicle as a security for my loan.

PreviousSave & Continue

Smartcover Finance can send you a digital copy of your loan agreement to read and sign via Secured signing. To Opt out of this service please tick below.

Loan Repayment *


SmartCover Finance requires that customers repay their loan by either Automatic payment or Direct debit. Please select one of the options below:

Your Bank Account Details

It’s a legal requirement that you must be the named bank account holder or have formal authority to operate the bank account independently so you can set up a direct debit. If you are not authorized to operate this bank account, you can call us on 0508 738 765 to request a direct debit form or contact us to arrange alternative payment arrangements.

(select from the available dates for when you'd like your payments to start)

Your payments will be taken on the same day each week, fortnight or month, or as close to as possible.

Please note: The start date you choose may alter depending on when the contract is signed and loan process is complete. A full telephone disclosure will take place before the contract is finalized to discuss the payment schedule and direct debit confirmation letter will be sent to the email address supplied once the loan has been opened.



*Direct Debit Disputes: The Direct Debit Terms and Conditions set out the responsibilities of each party and explain the process for any disputed transactions. If you have any questions about your payments, or wish to change or cancel these direct debit instructions, please contact us on 0508 738 765

Privacy Waiver

The Privacy Waiver act 1993

I/we authorise Smartcover Finance to collect, retain and use the personal information about me/us for the purpose of:

  • Assessing my/our credit worthiness;
  • Attending to the financing, whether directly or indirectly, of my/our contract(s) and enforcing Smartcovers rights thereunder;
  • Marketing and/or informing me/us about the goods and services provided by Smartcover

I/we authorise Smartcover to collect from

  • credit reporting agencies, credit providers, my/our employer(s), accountant(s), relatives, or other person(s) such personal, financial and commercial information about me/us for the said purposes.

I/we authorise Smartcover to provide this information:

  • To any person for the foregoing purposes;
  • To any employees and agents of Smartcover and/or any other person, in any ordinary course of business, for any of the foregoing purposes;
  • To credit agencies for the purpose of maintaining proper or effective records.

I/we acknowledge that if I/we do not provide all or any part of the information requested on this application form, my/our application for finance may be declined. I/we further acknowledge that pursuant to the Privacy Act 1993, I/we have a right of access to information collected by Smartcover about me/us and to request that this information be corrected.

The information will be held at the office of Smartcover Finance Limited, 3-2E Ceres Court, Albany, Auckland or the registered offices of any party nominated by Smartcover Finance Limited. * Smartcover Finance Limited and other associated third parties.

Privacy Act Acceptance

I accept the terms and conditions as set out above