Fast Cash & Short-Term Same-Day Emergency Loans NZ
Get peace of mind with an affordable emergency loan from MoneyShop today. No matter your need, we offer quick emergency cash loans that you can trust to:
- Finance a trip on short notice
- Pay for unforeseen insurance costs
- Repay unexpected medical bills
Get peace of mind
Whether you need to make a trip on short notice, have run into unforeseen insurance costs, or have medical bills to pay, we can help. Here at MoneyShop, we offer quick emergency cash loans you can trust, and that’s why we’ve been New Zealand’s favourite lender for almost 30 years. You can count on us for finance that’s both accessible and ethical.
We understand that some things are out of your control, and it’s our job to help you get back on track. After all, when an emergency occurs, the last thing you want to think about is repayment fees and financial issues. MoneyShop aims to give you the cheapest possible emergency loans in NZ. Don’t worry about sliding interest rates or complicated fees, get peace of mind with MoneyShop!
Why choose MoneyShop for your Emergency Loan
Here at MoneyShop, we aim to approve your application and get you access to your finances as fast as possible. Thanks to our emergency loan online application process, you can apply quickly any time, any day.
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.
* Loan applications are subject to responsible lending checks
Our supportive team are here to help
We pride ourselves on our service because we believe that friendly, efficient customer service is the backbone of what we do. Our friendly team is more than happy to guide you through the process, so if you have any questions, contact us.
Emergency Loan FAQ
How Do I get an Emergency Loan?
Complete our simple online loan application form. It only takes a couple of minutes! Your application will be reviewed by one of our team ASAP, and we will send you a response as fast as we can. Once your application is accepted, the money is deposited in your bank account! It couldn’t be easier.
What should I use an Emergency Loan For?
An emergency fund is used for unexpected major expenses that require you to use the money immediately. Here are situations where it would make the most sense to use your emergency fund:
- Sudden job loss
- Medical emergencies
- Unexpected home repairs
- Last-minute bookings for travel emergencies
How Fast can I get an Emergency Loan?
Here at MoneyShop, we aim to approve your application and get you access to your finances as fast as possible. In some cases, this may be the next business day. Thanks to our emergency loan online application process, you can apply quickly any time, any day.
Can I take out an emergency loan from MoneyShop if I have another existing loan?
We would love to help but this will be determined based on your financial stiuation. Contact Us to see what we can do.
Can I get an Emergency Loan with Bad Credit?
It depends – give us a call and we can do a credit check to see if we can help.
Why should I get my Emergency loan from MoneyShop?
Here at MoneyShop we are all about providing our customers with quick and easy solutions. It only takes minutes to apply for an emergency loan online and your application will be in the hands of our staff ASAP.
Any more questions?
Our friendly team are here to help you throughout the entire lending process. Call us on 0800 66 66 39 or get in contact with us here
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.
