Rating based on 523 reviews
About Money Shop
Our APR is clearly lower than the majority of our online competitors and we also offer much longer loan terms so that customer do not have to worry about not having enough at the end of the month.
Our products are superior because they've been designed by Kiwis for Kiwis!
A cut above the rest
Apart from our fantastic unsecured short term loans we also offer secured loans for those who are looking for larger loan amount of for people who have poor credit and want to secure a lower interest rate. With such flexible loan amounts and loan options we're a cut above the rest!
What Money Shop can offer you
Apart from our fantastically priced personal loans we also offer a range of financial articles and information on our website which you can use to help you better manage your money and improve your overall financial situation.
You can also make use of our loan calculators which are available on our website.
Get a loan of up to $20,000
At Money Shop you can get a loan of between $200 and $20,000 - depending on whether you can provide security or not. We have competitive interest rates on both our secured and unsecured fast loans and offer some of the most flexible lending terms in the country.
From 0 %
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In a Nutshell
- Average processing time 24 hours
- Online application
- In-store application
- Unsecured loan option
- Secured loan option
- Bad credit consideration
- Early repayment
We offer pre-approval on our fast cash loans
We know that you're busy and that the last thing you want is to sit around waiting for news of whether your fast payday loan will be approved or not.
This is why we provide customers with immediate pre-approval - so they don’t have to waste time only to be denied hours or days later.
A superior loan application
If you need a quick loan we're the best lender to get it from because our loan application can be done entirely online and has been simplified to ensure that customers can do it in under 10 minutes. Once you've applied we will then send you an email requesting all the necessary supporting documents.
Should I go secured or unsecured?
When it comes to deciding on which type of loan is more suited for you, you will need to assess your current financial situation as well as your credit score. With a secured loan the borrower will be required to provide a form of security such as property or a vehicle. But, with added security, come higher borrowing amounts and lower rates. If you are not a homeowner or do not own a vehicle you will be restricted to unsecured loans which do not require any collateral. With a poor credit score, it is often best to go for a secured loan since you can access a better rate. At the end of the day, the type of loan will depend on your own affordability.
Bad credit loans to the rescue
Just because you have encountered some rough patches on your financial journey does not mean that you should be unable to access finance. The sad reality is that most lenders and banks turn away those with a poor credit record and those are the people that need credit the most. The good news is that a bad credit loan can assist you to improve your credit score which will allow you to access better loans with higher borrowing amounts and lower rates in the future. Make the smart choice for your finances and get a bad credit loan from Money Shop today.
Eligibility & Requirements
- 18 years or older
- NZ resident
- Employed full-time
- Credit check
- Recent pay slips
- Bank statements
- Proof of address
Other Products & Services
- Quickfix Loans
Customer Reviews & Testimonials
I heard about the Money Shop from friends and family that have borrowed from them in the past. I have only ever heard good things and now I, too, have only got good things to say about them! Good service, good products and good for my fellow Kiwis!
— Brightwater —
I felt like a kid in a candy store when I began my loan research with Money Shop. Thank you for the versatility and flexibility that is your loans! I will never look back again.
— Palmerston —