When can I get my investment back?

Your investment term is linked to the allocated loan, with loan terms ranging from a minimum of three months to a maximum of 36 months. Whilst previous performance cannot be relied upon, MoneyShop is proud to have paid its investors on time, every time.

Can you accept a deposit without meeting the FMCA requirements?

Moneyshop can only accept deposits from qualifying wholesale investors, under the FMCA, who have a net worth in excess of $5 million or who invest $750,000 or more.

The investor will receive interest and capital on a monthly basis regardless of whether the borrower pays MoneyShop. Investors are encouraged to take independent financial advice.

When will I receive interest and capital on my investment?

Interest and capital on all loans is paid monthly in arrears. Investors have the option of reinvesting interest or have it paid out to their nominated bank account on a weekly basis.

What happens if a borrower dies or goes bankrupt?

MoneyShop will pay you the balance owing on the loan should the borrower die or go bankrupt.

What happens if a borrower doesn’t pay?

MoneyShop pays your monthly capital and interest irrespective of whether MoneyShop gets paid by the borrower.

What happens if MoneyShop becomes insolvent?

Loans allocated to an investor are assigned to that investor under the investment agreement. If MoneyShop became insolvent or was unable to continue operating, the investor would retain their interest in those allocated loans. The ongoing administration and collection of the loans would need to be transferred to the investor or an alternative loan administrator. Any transfer would be managed in accordance with the investment agreement, applicable insolvency law and the directions of any appointed insolvency practitioner. Investors should obtain independent legal and financial advice about their rights and the risks associated with the investment.

Intelligent, trusted investment with MoneyShop

Investment returns from

7.5% p.a.

Welcome to the Investor Hub of MoneyShop, the New Zealand personal loans company. Below, you’ll find our strong investment opportunities and details of returns reaching as high as 8.5% per annum.

This is not a regulated offer for the purposes of the Financial Markets Conduct Act 2013 (FMCA) and is only available to New Zealand investors who have certified that they meet the requirements in the FMCA for specified wholesale investors. See below.

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Contact MoneyShop for a personal investment consultation

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Interest rates on amounts invested

7.5%

Minimum investment of

$0 - $500,000

8.0%

Any investment of

$500,000 - $1,000,000

8.5%

Any investment of

$1,000,000 +

How do our loan investments work?

The Investment

The Investor invests $50,000 and that investment is allocated against specific loans within MoneyShop’s loan book. MoneyShop pays the Investor returns from 7.5% p.a. for amounts invested up to $500,000, after which it is 8.0%, then any amount over $1 million is 8.5%. You must have a net worth in excess of $5 million.

The Payments

When a client borrows for a two-year term, the corresponding investment also spans two years. Over this loan period, investors will receive both interest and capital on a monthly basis. MoneyShop commits to delivering these payments to investors, irrespective of the borrower's payments to MoneyShop.

Fixed interest rate

The interest rate to the Investor is fixed for the term of the loan, so if they get 7.5% today and we drop our rates to say 5%, then they still get 7.5% on all loans up to the date of the change. The same is true when we increase our rate.

Our current investment opportunities

MoneyShop is currently able to accept investments from certain wholesale investors, under the Financial Markets Conduct Act (FMCA), who fall within one of the following categories. If either apply to you and you are looking for a proven investment solution, contact us for your personal consultation.

Category One

You must have net assets in excess of

$5 million

For the last two years (Minimum investment of $50,000)

Category Two

You must invest

$750,000

Or more

MoneyShop Group is not a registered Peer-to-Peer lender with the FMCA. We can not accept deposits unless the conditions above are met. Any offer resulting from this proposal is not a “regulated offer” for the purposes of the FMCA.

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How you’ll help people across NZ

MoneyShop provides a lending service under which individuals seek loans to be funded by investors. Each individual is assessed by MoneyShop to ensure they comply with our lending standards. As an investor, by purchasing loan contracts from MoneyShop, you’re helping others access support when they need it most.

Why investors trust MoneyShop

Investors across New Zealand have trusted us with their investments for 30 years. MoneyShop is unique among other New Zealand finance companies because of our whole money lending process. Since we started, we have not missed a single interest payment to our investors.

FAQ about investing with MoneyShop

When can I get my investment back?
Your investment term is linked to the allocated loan, with loan terms ranging from a minimum of three months to a maximum of 36 months. Whilst previous performance cannot be relied upon, MoneyShop is proud to have paid its investors on time, every time.
Is my rate fixed?
Yes for the term of the loan.
Can you accept a deposit without meeting the FMCA requirements?
Moneyshop can only accept deposits from qualifying wholesale investors, under the FMCA, who have a net worth in excess of $5 million or who invest $750,000 or more.
Is my money safe?
The investor will receive interest and capital on a monthly basis regardless of whether the borrower pays MoneyShop. Investors are encouraged to take independent financial advice.
When will I receive interest and capital on my investment?
Interest and capital on all loans is paid monthly in arrears. Investors have the option of reinvesting interest or have it paid out to their nominated bank account on a weekly basis.
What happens if a borrower dies or goes bankrupt?
MoneyShop will pay you the balance owing on the loan should the borrower die or go bankrupt.
What happens if a borrower doesn’t pay?
MoneyShop pays your monthly capital and interest irrespective of whether MoneyShop gets paid by the borrower.
What happens if MoneyShop becomes insolvent?
Loans allocated to an investor are assigned to that investor under the investment agreement. If MoneyShop became insolvent or was unable to continue operating, the investor would retain their interest in those allocated loans.

The ongoing administration and collection of the loans would need to be transferred to the investor or an alternative loan administrator. Any transfer would be managed in accordance with the investment agreement, applicable insolvency law and the directions of any appointed insolvency practitioner.

Investors should obtain independent legal and financial advice about their rights and the risks associated with the investment.