Looking for easy unsecured loans in NZ? Here at MoneyShop, we offer instant unsecured loans in New Zealand to help make simple financing more accessible to those who need it and may not have major assets to use as security.
An unsecured loan can be used to pay for a wide range of things, and its key distinction from other types of loan is the lack of collateral. This means that we don’t ask for anything to secure the loan.
Collateral used for security often includes high value assets, such as land or vehicles. Many personal loans are not secured, but both secured and unsecured loans can be useful, depending on the circumstances. If you’re looking for fast cash, unsecured loans are generally the best bet, because they can be quicker to set up.
Need to get paid today? Apply for a loan online!
If you want to know more about our terms and conditions before you get started, view our Rates and Terms page.
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. In some cases, this may be the next business day.
Once your application is accepted, the money is deposited in your bank account! It couldn’t be easier.
Whether you need to make car repairs, have an unexpected trip to take, want to finance your education, or have sudden medical costs, an unsecured cash loan can.
help you access the funds you need, and spread the costs out over a longer period of time in order to make them more manageable.
Applying for an unsecured loan with MoneyShop is easy and hassle-free. All you need to do is fill out our application form, tell us what you’re looking to finance with the loan, and supply some personal details. These include bank statements or payslips showing your income for the last three months, two forms of approved ID, and how much you want to borrow. Details required for unsecured loans tend to be more in-depth than for secured loans, but if you’re unable to provide all of the details we need, we can always talk to you about working out the next step together.
Once we have your application, we can approve, and the money is deposited in your account the same day! We aim to make the process as easy and ethical as possible, with no sliding interest rates, and no hidden fees. If you want to know more about our terms and conditions before you get started, view our Rates and Terms page!
$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.
We lend on cars, furniture 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.