Fast and easy NZ loans between $200 - $20,000
- Fast personal loans for Kiwis
- The most trustworthy online personal loans in NZ
- Quick and easy application process*
Good, Honest NZ Loans
MoneyShop’s good, honest, and fast loans are here to help you, no matter what life brings. Whether you’re looking for a unsecured loan, car loan, debt consolidation loan, or something to help you finance a special event, like a wedding loan, MoneyShop can help. Just apply online, visit us in branch or call us. Our friendly staff will be with you every step of the way.
Want to get a rough idea of what your repayment amounts could be? Try our handy personal loan calculator. Don’t worry—it’s private and won’t affect your application.
Applying with MoneyShop is 2 easy
It takes just 2 minutes to apply*
Apply in 2 minutes
Tell us a bit about yourself in our easy online application process, and why you need a loan.
Competitive rates
Get an affordable loan with a term repayment schedule that suits you.
Fast application processing
Quick loan approval and money in your account ASAP. It’s as easy as that.
*Loan applications are subject to responsible lending checks
The friendly face of finance
We've been helping Kiwis for over 30 years. Find out why thousands of Kiwis have trusted MoneyShop for personal loans! We are one of the highest rated finance companies in New Zealand on TrustPilot. With a rating of 4.9 stars and 1,000+ reviews we are hard to beat.
Choose the right loan for you
Everything from cash loans to debt consolidation loans
Unsecured Loans
We understand that little things can spring up from out of nowhere. Need cash fast? We can help.
Emergency Loans
From hospital charges to visiting loved ones overseas at short notice, our loans are here to ease the stress.
Debt Consolidation Loans
We can help you take control. Consolidate all your debt into one easy-to-manage loan with one fixed rate.
Car Loans
Need a new car, or want to upgrade your old one? Get the green light from the team here at MoneyShop.
Holiday Loans
Needing a break, or want to visit relatives? MoneyShop will have you packed, ready-to-go and off in no time!
Wedding Loans
Get that fairytale wedding you’ve dreamed of, and enjoy your big day to the fullest. Apply for a quick and easy loan with us today!
Personal loan FAQs
How much can I apply to borrow?
We offer fast and easy NZ loans, usually processed on the same-day, between $200 to $20,000. We offer loans up to $7,000 unsecured. All loans are subject to responsible lending enquiries and checks.
How long does it take to arrange a loan?
If you have all of the required documents to support your loan application, we can process your loan fast and normally provide loans on the same day! Subject to responsible lending enquiries and checks to ensure affordability. We provide clear information and make sure you aware of the costs of borrowing during your application and are here to support you throughout your loan.
What is the loan interest rate?
Our interest rate varies. It is dependent on a number of factors, such as the security offered for the loan and the duration of the loan. Once determined, the interest rate is fixed for the term of the loan. You can get a clear idea of your total costs of borrowing here at our costs of borrowing page.
What are the repayment terms?
Our repayment period is from three months to a maximum of 36 months, from $30 per week. Please see our Repay A Loan page for more details on how you can repay your loan.
Do you loan to people on a benefit?
Yes, we lend to all Kiwis and do not discriminate. If you pass our lending criteria we can process your loan. To get an idea of what your repayments might be please use our handy personal loan calculator. Please make sure you can afford to repay your loan and assess your affordability before applying. All loan applications are subject to responsible lending enquiries and checks.
How old do you have to be to get a loan?
You must be at least 18 years of age to apply for any form of credit or finance. For more information please see our terms and conditions.
What are my payment options?
See “Repay A Loan” in our Resources section for more information. Here you will find clear and explained details on how you can repay your personal loan with MoneyShop.
What can I use as security for my loan?
We lend on cars and property. There must be no money owing on your security. If a balance remains, we can sometimes pay this out and build the cost into your personal loan. We lend up to $7,000 unsecured. $7,000 to $20,000 must be secured.
What if I don't have security for the loan?
If you are unable to provide security, it may be that your situation allows us to lend you an unsecured loan up to the value of $7,000.
Can I refinance my loan?
Yes, we can refinance your loan if you have a good repayment history with us, clear credit and affordability. Subject to responsible lending enquiries and checks. Please see our terms and conditions for more information.
Can I settle my loan early?
Yes, but please note there may be an early repayment fee. Please refer to our costs of borrowing to make sure you are aware of all the costs before proceeding.
How do I become a MoneyShop investor?
Our Investors Hub details peer-to-peer lending investing opportunities in New Zealand with MoneyShop. Visit the Investors Hub to find out all the details.
Any more questions? Please contact us
Latest news
FEATURED INSIGHT
November 14, 2025
