Fast and easy NZ loans between $200 - $20,000
Apply online for a personal loan from anywhere in New Zealand, or visit us in branch. MoneyShop has been helping Kiwis since 1993, at a fixed 29.95% p.a.
Helping New Zealanders since 1993
100% Kiwi owned and operated
Apply online or visit a branch
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 an unsecured loan, car loan, debt consolidation loan, emergency 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.
The friendly face of finance
Our clients love us!
Choose the right loan for you
Emergency Loans
Wedding Loans
Beneficiary Loans
Unsecured Loans
Car Loans
Holiday Loans
Debt Consolidation Loans
Latest news
Understanding Personal Loan Rates in New Zealand
Understanding personal loan rates in New Zealand starts with comparing lenders, fees, and repayment terms. Use this guide to find a loan that fits your budget.
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 $5,000 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 are aware of the costs of borrowing during your application and are here to support you throughout your loan.
What is the loan interest rate?
The interest rate is 29.95% p.a. fixed for the term of the loan. You can see a full breakdown of borrowing costs on our cost 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 $5,000 unsecured. $5,000 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 $5,000.
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?
Contact UsOur friendly team are here to help throughout the lending process. Call us on 0800 66 66 39 or get in touch online.
Our costs and terms
Loan amount
$200–$20,000
Loan terms
3 months–3 years
Fixed rate
29.95% p.a.
Repayments
Weekly
Interest rate
The interest rate is 29.95% p.a. for secured, refinanced, and new unsecured loans. Your rate is fixed for the whole contract — no surprises, no hidden fees.
Interest is calculated daily on the unpaid balance (annual rate ÷ 365) and 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 |
| $5,000 to $15,000 for three years or less | $310.00 |
| Over $15,000 for three years or less | $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.
Repayment 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
Also: $1,500 over 52 weeks = $44.83/week.
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 calculate repayments with our personal loan calculator?
Loan CalculatorLearn more about loan costs, interest rates, and fees on our Cost of Borrowing page.