Frequently Asked Questions

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.

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.

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. You can get a clear idea of your total costs of borrowing here at our costs of borrowing page.

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.

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.

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.

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.

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.

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.

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.

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.

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.