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 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.
Rated 4.9 stars with 1,000+ reviews
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!
Our costs and terms
Loan amount
Borrow between $200 and $20,000, depending on your situation. Example: $3,000 over 78 weeks = $58.87/week.
Loan terms
Choose a term from 3 months to 3 years. Repay weekly. We’ll show your full schedule upfront.
Interest rate
The interest rates are 29.95% for loans with security or refinanced from existing loans, new unsecured loans are also 29.95%. The rate is fixed for the whole of the contract. Interest charges are calculated by multiplying the unpaid balance at the end of the day by a daily interest rate. The daily interest rate is calculated by dividing the annual interest rate by 365. Interest is charged when instalments fall due.
Default interest rate
MoneyShop doesn’t charge default interest. If your account falls behind, a $1 daily arrears fee may apply until things are back on track. Reversed payments incur a $5 fee, and missed‑payment contact may involve a letter fee (up to $50), a $5 phone fee, or an $80 + GST home‑visit fee. Any third‑party recovery costs are passed on at cost.
Establishment fees
One-time setup fee based on loan size:
| Fee | Cost |
|---|---|
| $200 to $499 | $65.00 |
| $500 to $800 | $160.00 |
| $800 to $5,000 for three years or less | $300.00 |
| $800 to $5,000 for three years or less | $300.00 |
| $5,000 to $15,000 for three years or less | $310.00 |
| Over $15,000 for more than three years | $455.00 |
Some loan setup costs come from third parties — such as credit checks, PPSR searches, and security‑registration fees — and these are passed on at cost. Your account also has a daily administration charge of 55c while it’s open. We send statements every six months, and extra statements are free by email or $5 if printed. If you repay your loan early, an administration fee of $50 (averaged) may apply, along with any third‑party deregistration costs.
Rate type
Your rate stays the same for the whole loan. No surprises. No hidden fees.
Repayment frequency
Pay weekly. Example: $1,500 over 52 weeks = $44.83/week.
Example: Borrowing $3,000 over 78 weeks
- Weekly repayment: $58.87
- Total repayments: $4,592.86
- Includes: Interest, $300 establishment fee, $0.55/day admin fee
- Does not include: Any optional or default-related fees
This example assumes a fixed interest rate of 29.95% p.a., no missed payments, and no early repayment. Actual costs may vary depending on your loan amount, term, and repayment history.
Want to check your rate with our personal loan calculator?
Learn more about loan costs, interest rates, and fees on our Cost of Borrowing page.
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
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FEATURED INSIGHT
January 8, 2026
