Get a beneficiary loan to help you through!

Are you on a benefit and need a cash loan for an unexpected expense? MoneyShop has got you covered.

  • Competitive rates
  • The most trustworthy online loans in NZ
  • Quick and easy application process
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Getting a loan on a Benefit

If you are on a government benefit, it can be tough to secure a loan from the bank. The other option is a payday lender, but these come with huge interest rates that can leave you much worse off in the long run.

At MoneyShop, we assess customers on an individual basis and provided you meet all of our standard lending requirements we may be able to provide you with a loan. All loans will be subject to responsible lending enquiries and checks.

If you are on a benefit and need a loan talk to our friendly team today! We have been lending in New Zealand for over 30 years. We are completely transparent about our rates and will ensure your repayment plan is affordable and straightforward.

How much do you need?
Amount $2000
$200
$20,000
Term 26 weeks
26 Payments
52 Payments
$100.63 per week
Calculating...
Loan Details
Note: Loan payments are indicative only and will be confirmed during the loan application. Subject to responsible lending inquiries

Why choose MoneyShop for your Beneficiary Loan?

Apply online

Complete our simple online loan application form. It only takes a couple of minutes *

Competitive rates

Your application will be reviewed by one of our team ASAP, and we will send you a response as fast as we can. In some cases, this may be the next business day.

Get Paid

Once your application is accepted, the money is deposited in your bank account! It couldn’t be easier.

Let's Start

* Loan applications are subject to responsible lending checks

What Can Beneficiary Loans Be Used For?

Here at MoneyShop, we aim to approve your application and get you access to your finances as fast as possible. Thanks to our online Beneficiary Loan application process, you can apply any time, any day.

Emergency loans

We understand that life can get tough and sometimes you need a helping hand. Whether you need some cash for car maintenance, medical costs, or other emergencies, we have lending options to suit your needs.

When you need a hand

At MoneyShop, we pride ourselves on our prompt, friendly service. We take the stress out of getting a personal loan so you can get the cash you need fast. Apply for a fast beneficiary loan online today or visit a MoneyShop branch near you!

Apply Now

Get Your Small Cash Loan In NZ Today!

At MoneyShop, we pride ourselves on our prompt, friendly service. We take the stress out of getting a personal loan so you can get the cash you need fast. Apply for a fast beneficiary loan online today or visit a MoneyShop branch near you!

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Beneficiary Loan FAQ

$200 – $20,000
If you have all of the required documents to support your loan application, we can process a loan in less than two hours.
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.
Our repayment period is from three months to a maximum of 36 months, from $30 per week.
Yes, normal lending criteria applies.
It depends, give us a call and we can do a credit check to see if we can help.
You must be at least 18 years of age to apply for any form of credit or finance.

See “Repay A Loan” in our Resources section for more information.

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.

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 $1500. Otherwise, you can arrange a Guarantor. The Guarantor follows the same procedure as if they were borrowing the money and must have suitable security.
Yes we can refinance your loan if you have a good repayment history with us, clear credit and affordability.
Yes, but please note there may be an early repayment fee.

Any more questions?

Please contact us to discuss here

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Here to give you a helping hand

Our friendly team are here to help you throughout the entire lending process.

Call us on 0800 66 66 39

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Information about lending

The APR for an average loan of $3000 over 18 months with an interest rate of 29.95% (which includes all setup fees our Payment Protection Plan and third party charges) is 35.9 %. These charges are variable and dependent upon the amount, term of the loan and costs incurred. Example 1 – representative example of a loan where the amount borrowed is $3000 with our payment protection plan: interest rate is 29.95%. If the repayment time is 78 weeks then the instalment would be due weekly at $58.87 with a final payment of $58.72 Example 2 – Representative example of a loan where the amount borrowed is $1500 with our payment protection plan: interest rate is 29.95%, if the repayment time is 52 weeks then the instalments would be weekly at $44.83 with a final payment of $44.77. APR 56.7 %. Minimum Prepayment Time 3 Months / Maximum Repayment Time 3 Years. *Loan applications are subject to responsible lending checks.

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