Money, when
you need it.


How much do you need?


That's weekly payments of $51.68*

Annual Interest Rate (AIR) 29.95% pa

Estimated fees & interest $3,062.08

Estimated amount repayable $8,062.08

*this example is just a guide & will change depending on amount borrowed, your pay date & loan term! Our Annual Interest Rate (AIR) is fixed at 29.95% pa

For a breakdown of interest & fees click here

Rated 'Excellent' on Trustpilot

Loans in New Zealand

We're proud to be a safe place for Kiwis to borrow money online. We're here to guide you to solutions that meet your needs, but which never go beyond your means.

Talk to someone

Talk to someone
who cares

We're proud of the innovative technology we've built around our service but we never want this to get in the way of a simple conversation. With over 10 years experience we understand our customers needs and always put them first. Give us a call when you need a friendly human 0800 27 28 36.
Not all lenders are created equal

Lighting the way to
brighter borrowing

Borrow today and build a brighter tomorrow. Our partnership with kiwi credit-bureau Equifax means that your repayments can improve your credit score! We'll create an individual, affordable repayment schedule for you and we'll work together to positively improve your score.

Frequently Asked Questions

What kind of loans does Save My Bacon offer?

Save My Bacon wants to help financially responsible Kiwis get access to funds when they need it most! We are committed to innovation and have lowered the average cost of our products over time. We are always striving to improve our service for customers. Join Team Bacon and follow us as we shape the future of lending in New Zealand.

Please click here for more information on our Loan Products.

Please click here for more information on our interest and fees.

Does taking out a Save My Bacon loan improve my credit score?

Making your loan repayments on time, leads to a brighter tomorrow through positive credit reporting! SMB has partnered with credit bureau Equifax to ensure customers benefit from paying their loans on time. Making your payments on time will positively impact your credit score, which is a great way to get your score moving in the right direction.

Want to know more about what your credit score is and how positive credit reporting works? Check out our article here.

My loan has been approved. When will I receive my funds?

We know your loan is important to you, so we work hard to get it to you quickly! If your loan is approved on a business day, we will make payment to your bank on the same day.

The exact time that funds will become available to you will depend on your bank, but it should be within a few hours post approval!

We'll keep you updated on the status of your application by email and text, and you can also call our friendly customer team FREE on 0800 27 28 36 to discuss the status of your application.

Click here for more information on our loan application process.

All loan applications are subject to responsible lending inquiries.

Can I top-up my loan and borrow more money?

You sure can! 

Basically, a top-up is a new loan, just with a portion of the funds being used to settle your previous loan balance.

You just need to make sure the top-up is enough to clear your existing loan balance AND cover off what you need the new loan for.

The amount you can top-up by is dependent on your individual circumstances! Each top up request for additional funds is subject to a full credit assessment.

What we look at when we assess your top-up loan application:

  • You have a history of making payments on time on your current Flex Loan
  • That the new loan remains affordable and there has been no significant change in your circumstances including changes in income, expenses and other financial commitments
  • The new loan continues to meet your requirements and objectives
  • You have demonstrated good account behaviour reflecting a responsible borrower. This means your bank statements don't show:
    1. Reversals to other credit and/or utility providers
    2. Transfers and withdrawals causing reversals
    3. Problem gambling impacting your ability to meet payment obligations
Can I repay my loan early?

You can request an early repayment at any time at no extra cost or penalty!

Please call our repayments team FREE on 0800 27 28 36 before making an extra payment so we can provide you with the exact balance to pay and adjust your repayment schedule if necessary.

Click here for more information on repaying your loan.

What happens if I can't make my repayment?

We want to ensure you have the best borrowing experience possible and we have a number of options available to keep you on track. We encourage you to contact us if you can’t make a payment – we can talk about your options and adjust your repayments!

Our friendly repayments team are here to help – give them a call FREE on 0800 27 28 36 or send an email to

We understand that sometimes you can struggle financially, we are here to help you! Although it can be tempting to just ignore the situation and hope things will improve for the better, missing a payment may hurt your credit score! If you feel things might get out of control or if your individual situation has changed, all you need to do is give us a call and we can help protect your score, and work together to find a repayment solution that is suitable.

Click here for more information on repaying your loan.

Click here for more information on financial hardship.