Emergency Loans NZ — Fast Personal Loans from $200
When something can't wait, a MoneyShop emergency loan can help. Borrow from $200 to $20,000, apply online in about 2 minutes, and talk to a friendly Kiwi team that has been helping New Zealanders since 1993.
Borrow from $200 to $20,000
Processed in under two hours with the right documents
Fixed rate, so your repayments stay the same
With the correct paperwork and documents, we can process your application in less than two hours, subject to responsible lending requirements. Interest is fixed at 29.95% p.a. for the term of standard loans. Quick Fix loans of $200 to $500 have no interest (fees apply). Loans over $5,000 require security. Lending criteria, fees and responsible lending checks apply.
Get peace of mind with an emergency loan
Whether you need to make a trip on short notice, have run into unforeseen insurance costs, or have medical bills or hospital charges to pay, we can help. MoneyShop offers emergency cash loans you can apply for online from anywhere in New Zealand — and we have been helping New Zealanders with emergency loans since 1993. You can count on finance that is both accessible and ethical.
We understand that some things are out of your control, and it is 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. Our interest rate is fixed at 29.95% p.a. for the term of your loan, so you know exactly what your repayments will be from day one. Use the emergency loan calculator to see weekly repayments before you apply online, and review the full fee breakdown on our cost of borrowing page. Emergency loans range from $200 to $20,000, and loans over $5,000 require security. For a smaller amount, see our small loans. For $200 to $500, our interest-free Quick Fix loans are repaid over 12 weeks (fees apply). Lending criteria apply.
Example: $1,500 over 52 weeks at 29.95% p.a. fixed.
Why choose MoneyShop for your Emergency Loan
Emergency loans NZ are for unexpected costs. Apply online at a fixed 29.95% p.a. With the correct paperwork, we can process your application in less than two hours, subject to responsible lending requirements.
Apply for an emergency loan
Complete our online emergency loan application. It only takes a couple of minutes *
We review your documents
Our team reviews your emergency loan application and supporting documents. In some cases this may be the next business day.
Get paid if approved
If your application is accepted, the money is deposited in your bank account. Lending criteria apply.
What emergency loans NZ can cover
Emergency loans in New Zealand are for unexpected costs, such as medical bills, insurance shortfalls, hospital charges and short-notice travel, not everyday spending.
Medical bills, insurance, and hospital charges
If an unexpected medical bill or insurance shortfall lands before payday, an emergency loan NZ from MoneyShop can spread the cost. Loans run from $200 to $20,000 at a fixed 29.95% p.a. Loans over $5,000 require security. Lending criteria apply.
Short-notice travel
Emergency loans are also used for last-minute travel, for example visiting a loved one at short notice. Use the calculator on this page to see weekly repayments, then apply online. For other borrowing needs, see our personal loans.
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.
The friendly face of finance
Our clients love us!
Emergency Loan FAQ
What are emergency loans in NZ?
Emergency loans in NZ are personal loans for unexpected costs such as medical bills, insurance shortfalls, hospital charges, or short-notice travel. MoneyShop emergency loans range from $200 to $20,000 at a fixed 29.95% p.a. Loans over $5,000 require security. Lending criteria apply.
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?
With the correct paperwork and documents, we can process an emergency loan application in less than two hours, subject to responsible lending requirements. In some cases this may be the next business 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 situation. 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?
MoneyShop has provided emergency loans to New Zealanders since 1993. You can apply online for emergency cash at a fixed 29.95% p.a., and we review applications subject to responsible lending requirements.
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.
Ready when you are
Need funds quickly?
Prefer to talk? Call 0800 66 66 39.
Our costs and terms
Clear, upfront pricing with no hidden fees.
Loan amount
$200–$20,000
Loan terms
12 weeks–3 years
Interest-bearing loans
29.95% p.a.
Repayments
Weekly
Interest rate
The interest rate is 29.95% p.a. for secured, refinanced and new unsecured loans, including $500 loans on a longer term. Your rate is fixed for the whole contract, so there are no surprises.
Quick Fix loans ($200 to $500 over 12 weeks) have no interest.
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 |
|---|---|
| Quick Fix loan, $200 to $500 over 12 weeks | $65.00 |
| $500 to $800 (interest-bearing) | $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, or 24c on Quick Fix loans. 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. There's no early repayment fee on Quick Fix loans.
Repayment example
Borrowing $1,500 over 52 weeks
- Weekly repayment: $46.43
- Total repayments: $2,413.84 (final payment $45.91)
- Includes: Interest, $300 establishment fee, $109 Repayment Waiver, $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 calculate repayments with our personal loan calculator?
Loan CalculatorLearn more about loan costs, interest rates, and fees on our Cost of Borrowing page.