Short Term Loans

        Short Term Loans in New Zealand

Short term loans are designed to be quick and easy to cover small unexpected expenses like medical bills, car repairs or even that purchase you just have to have!

$10,000
Loan amount $1,000 - $10,000
Interest 3.3 %
Maturity 6 - 48 months

Fast information

Properties of this loan

  • Online loans up to $10 000
  • Term 6 - 48 months

Loan requirements

  • You must be over 18
  • You must be a New Zealand citizen, resident or hold a current working VISA

About company

More information about the company Rapid Loans NZ Limited.

Borrow from $1,000 with interest from the 3.3 % Moread
$10,000
Loan amount $300 - $10,000
Interest 1.5 %
Maturity 12 - 24 months

Fast information

Properties of this loan

  • Online loans up to $10 000
  • Term 12 - 24 months

Loan requirements

  • Be over 18 years of age
  • Receive a regular income to a personal bank account for at least 90 days
  • Have a direct contact number

About company

More information about the company Jacaranda Finance Pty Ltd

Borrow from $300 with interest from the 1.5 % Moread
$20,000
Loan amount $1,000 - $20,000
Interest 9.95 %
Maturity 6 - 36 months

Fast information

Properties of this loan

  • Online loans up to $20 000
  • Term 6 - 36 months

Loan requirements

  • You must be able to offer something as collateral or security for all loans. We only offer secured loans. We will consider most things
  • household items such as whiteware and electronic goods ( TVs and stereos), vehicles, property or land. If you don’t have any security, we are happy for a friend or family member to act as your guarantor to provide security on your behalf
  • You need to be over 21 (unless you have a suitable guarantor who is over 21).
  • You should have a reasonable credit history
  • You must be able to make the payments on your loan
  • You must live in NZ and be a NZ Resident or NZ Citizen (or have guarantors who are)

About company

More information about the company Admiral Finance Limited

Borrow from $1,000 with interest from the 9.95 % Moread
$5,000
Loan amount $500 - $5,000
Interest 28.85 %
Maturity 1 - 24 months

Fast information

Properties of this loan

  • Online loans up to $5 000
  • Term 1 - 24 months

Loan requirements

  • Be over 18 years of age
  • Be a citizen or permanent resident of New Zealand

About company

More information about the company Aotea Finance Limited

Borrow from $500 with interest from the 28.85 % Moread
$5,000
Loan amount $300 - $5,000
Interest 0.46 %
Maturity 4 - 28 weeks

Fast information

Properties of this loan

  • Online loans up to $5 000
  • Term 4 - 28 weeks
  • Easy online application

Loan requirements

  • You need to be over 18 years old
  • You need to be currently residing in New Zealand
  • You need to have a valid photo ID (any passport or NZ driving license accepted)
  • You need to be a NZ/AU Resident/Citizen or hold a valid work visa
  • You need to be working full-time/part-time for at least three months with your current employer
  • You need to be earning at least $300 per week
  • You need to have an active bank account with at least three regular payroll transactions
  • You need to have an access to internet as our loan application process is 100% online
  • You need to have an access to your internet banking (optional if you are seeking a loan of less than $1500)
  • You need to have an active and registered mobile number
  • You need to have an active email address
  • You do not owe money on any existing high-cost loan
  • You did not owe money on any high-cost loan within last 15 days
  • You have not taken two or more high-cost loans in the last 90 days

About company

More information about the company Seed Credit Limited

Borrow from $300 with interest from the 0.46 % Moread
$10,000
Loan amount $100 - $10,000
Interest 0 %
Maturity 1 - 52 weeks

Fast information

Properties of this loan

  • Online loans up to $10 000
  • Term 1 - 52 weeks

Loan requirements

  • You must be over 18
  • Do you earn at least $350 per week after tax? From salary, wages or benefit (can be combined)
  • Is your income (salary, wages or benefit) direct credited into your account
  • Do you have internet banking (if you don't it only takes 5 minutes to organise simply phone your bank or call into your nearest branch)
  • Have you got photo ID — your driver’s licence, passport, an 18+ card with a birth certificate, or firearms licence
  • If employed, have you been with your employer for more than 90 days
  • Proof of address — From your bank or a government department. Eg. WINZ, HOUSING NZ, LTNZ

About company

More information about the company Superloans

Borrow from $100 with interest from the 0 % Moread
$10,000
Loan amount $1,000 - $10,000
Interest 13.95 %
Maturity 6 - 60 months

Fast information

Properties of this loan

  • Online loans up to $10 000
  • Term 6 - 60 months

Loan requirements

  • Be over 18 years of age
  • Be a citizen or permanent resident of New Zealand

About company

More information about the company Financial Services Complaints Ltd

Borrow from $1,000 with interest from the 13.95 % Moread
$500
Loan amount $100 - $500
Interest 36 %
Maturity 14 - 30 days

Fast information

Properties of this loan

  • Online loans up to $500
  • Term 14 - 30 days

Loan requirements

  • Over 18
  • Employed
  • Be a citizen or permanent resident of New Zealand

About company

More information about the company SmartCash Ltd

Borrow from $100 with interest from the 36 % Moread
$80,000
Loan amount $1,000 - $80,000
Interest 16.99 %
Maturity 12 - 60 months

Fast information

Properties of this loan

  • Online loans up to $80 000
  • Term 12 - 60 months

Loan requirements

  • You must be over 18
  • You must be a New Zealand citizen, resident or hold a current working VISA

About company

More information about the company Future Finance Ltd.

Borrow from $1,000 with interest from the 16.99 % Moread
$2,000
Loan amount $250 - $2,000
Interest 40 %
Maturity 1 - 15 weeks

Fast information

Properties of this loan

  • Online loans up to $2 000
  • Term 1 - 15 weeks

Loan requirements

  • Over 18
  • Employed
  • Be a citizen or permanent resident of New Zealand

About company

More information about the company CWL

Borrow from $250 with interest from the 40 % Moread
$158,000
Loan amount $227 - $158,000
Interest 17.95 %
Maturity 6 - 84 months

Fast information

Properties of this loan

  • Online loans up to $158 000
  • Term 6 - 84 months

Loan requirements

  • Over 18
  • Be a citizen or permanent resident of New Zealand

About company

More information about the company Max Money Group Limited

Borrow from $227 with interest from the 17.95 % Moread
$20,000
Loan amount $1,000 - $20,000
Interest 9 %
Maturity 6 - 36 months

Fast information

Properties of this loan

  • Online loans up to $20 000
  • Term 6 - 36 months

Loan requirements

  • Be over 18 years of age
  • Be a citizen or permanent resident of New Zealand

About company

More information about the company 121 Finance Ltd.

Borrow from $1,000 with interest from the 9 % Moread
$500
Loan amount $50 - $500
Interest 365 %
Maturity 7 - 42 days

Fast information

Properties of this loan

  • Online loans up to $500
  • Term 7 - 42 days

Loan requirements

  • Be over 18 years of age
  • Be a citizen or permanent resident of New Zealand
  • Demonstrate a regular income and an ability to repay all loan costs

About company

More information about the company Pretty Penny Loans

Borrow from $50 with interest from the 365 % Moread
$1,500
Loan amount $300 - $1,500
Interest 10 %
Maturity 1 - 78 days

Fast information

Properties of this loan

  • Online loans up to $1 500
  • Term 1 - 78 days

Loan requirements

  • You need to be at least 18 years of age
  • You need to live in New Zealand
  • You need to be earning at least $400 net pay per week
  • You need to be in permanent employment (as an employee of that company)
  • You need to have an active bank account (for at least one pay cycle)
  • Your pay needs to be electronically transferred into your bank account regularly
  • You need to have access to a computer
  • You need to have an active email address so Zebra can communicate with you via email
  • You need to own a mobile phone -this way we can also communicate by text which includes sending you a verification code (a security feature of our service) so you can complete your application
  • You need to complete the online application

About company

More information about the company Zebra Loans

Borrow from $300 with interest from the 10 % Moread
$1,000
Loan amount $100 - $1,000
Interest 252 %
Maturity 1 - 365 days

Fast information

Properties of this loan

  • Online loans up to $1 000
  • Term 1 - 365 days

Loan requirements

  • Be over 18 years of age
  • Be a citizen or permanent resident of New Zealand
  • Demonstrate a regular income and an ability to repay all loan costs

About company

More information about the company Acorn Finance 2012 Limited

Borrow from $100 with interest from the 252 % Moread
$15,000
Loan amount $800 - $15,000
Interest 10 %
Maturity 7 - 36 months

Fast information

Properties of this loan

  • Online loans up to $15 000
  • Term 7 - 36 months

Loan requirements

  • Be over 18 years of age
  • Be a citizen or permanent resident of New Zealand

About company

More information about the company Crester Credit

Borrow from $800 with interest from the 10 % Moread
$50,000
Loan amount $2,000 - $50,000
Interest 6.99 %
Maturity 3 - 5 years

Fast information

Properties of this loan

  • Online loans up to $50 000
  • Term 3 - 5 years
  • Easy online application

Loan requirements

  • Over 18
  • Employed
  • Be a citizen or permanent resident of New Zealand

About company

More information about the company Harmoney Limited

Borrow from $2,000 with interest from the 6.99 % Moread
$10,000
Loan amount $300 - $10,000
Interest 108 %
Maturity 91 days – 24 months

Fast information

Properties of this loan

  • Online loans up to $10 000
  • Term 91 days – 24 months

Loan requirements

  • 18 years of age
  • A New Zealand citizen or permanent resident
  • Receiving a regular income in a personal account for at least three months
  • Able to provide an active mobile number and email address

About company

More information about the company BREEZY LOANS NZ PTY LIMITED

Borrow from $300 with interest from the 108 % Moread
$5,000
Loan amount $750 - $5,000
Interest 50 %
Maturity 15 - 40 weeks

Fast information

Properties of this loan

  • Online loans up to $5 000
  • Term 15 - 40 weeks

Loan requirements

  • You must be over 18
  • You must be a New Zealand citizen or resident
  • You must not be bankrupt
  • You need to be in ongoing employment, we don’t lend to self-employed or beneficiaries
  • You need an active bank account that your pay gets credited into on regular paydays
  • You need access to a computer as the application process is 100% online
  • You need an active email account
  • You must own a cell phone
  • You must complete the online application
  • You must pass our employer checks

About company

More information about the company Moola.co.nz Limited

Borrow from $750 with interest from the 50 % Moread
$3,000
Loan amount $500 - $3,000
Interest 18 %
Maturity 3 - 12 months

Fast information

Properties of this loan

  • Online loans up to $5 000
  • Term 3 - 12 months

Loan requirements

  • You need to be at least 18 years old and a NZ citizen or resident currently living in New Zealand
  • You need to have been permanently employed with the same employer for at least 3 months
  • For our loans, you need to be earning at least $350 a week (after tax) excluding government benefits
  • Your pay needs to be credited on a regular basis into your own NZ bank account that has been open for at least 3 months
  • You are not currently Bankrupt, under a No Asset Procedure or Summary Instalment Order
  • You have access to the Internet and a mobile phone

About company

More information about the company Zethus Holdings Limited.

Borrow from $500 with interest from the 18 % Moread
$20,000
Loan amount $200 - $20,000
Interest 29.95 %
Maturity 3 - 36 months

Fast information

Properties of this loan

  • Online loans up to $20 000
  • Term 3 - 36 months

Loan requirements

  • Photo ID (valid Passport, Drivers Licence, or Kiwi Access/18+ Card with your Birth Certificate)
  • Proof of address (an official letter/utility bill delivered to you at your residential address within the last 3 months)
  • If you have internet banking, then we will ask you to complete a secure Credit Sense link to provide us with details of your bank statements
  • otherwise we will need you to bring
  • Proof of income (a recent pay slip or WINZ letter detailing your current benefit details)
  • 3 months of your latest statements from all bank accounts showing income and out-goings Your vehicle (we will need to see it and assess its value if you want to use it for security) and look at any insurance policy for it If using household goods as security, we will ask for a copy of your tenancy agreement and arrange a convenient time for one of our agents to meet with you to complete a valuation

About company

More information about the company Instant Finance

Borrow from $200 with interest from the 29.95 % Moread
$50,000
Loan amount $1,000 - $50,000
Interest 23.95 %
Maturity 6 - 60 months

Fast information

Properties of this loan

  • Online loans up to $50 000
  • Term 6 - 60 months

Loan requirements

About company

More information about the company Admiral Finance

Borrow from $1,000 with interest from the 23.95 % Moread
$5,000
Loan amount $400 - $5,000
Interest 34.95 %
Maturity 4 weeks - 3 years

Fast information

Properties of this loan

  • Online loans up to $5 000
  • Term 4 weeks - 3 years

Loan requirements

  • Be 18 years or over
  • Be a permanent NZ resident
  • Be earning a stable income

About company

More information about the company Acorn Finance 2012 Limited

Borrow from $400 with interest from the 34.95 % Moread
$5,000
Loan amount $300 - $5,000
Interest 167.9 %
Maturity 4 - 12 weeks

Fast information

Properties of this loan

  • Online loans up to $5 000
  • Term 4 - 12 weeks

Loan requirements

  • Are you 18 years old or over
  • Are you a NZ/AU citizen or resident or hold a valid work visa
  • Are you working full-time or part-time with a minimum of three months tenure with your current employer
  • Do you have a valid photo ID (only NZ driving license or any passport accepted)
  • Do you receive minimum net income of over NZD 300 per week
  • Do you have access to internet banking (mandatory if you are applying for more than $1500)
  • Do you have a valid active email address and mobile number
  • Do you not owe money on any existing high-cost loan
  • Do you not owe money on any high-cost loan within last 15 days
  • Do you not have taken two or more high-cost loans in the last 90 days

About company

More information about the company Seed Credit Limited

Borrow from $300 with interest from the 167.9 % Moread

        Short Term Loans in New Zealand

It doesn’t matter how closely you stick to a budget, sometimes unexpected expenses just pop up. Short term loans are designed to be quick and easy to cover small unexpected expenses like medical bills, car repairs or even that purchase you just have to have!

What is a short-term loan?

A short term loan is designed to be repaid over a short time frame. The application process is generally simple and fast, to get the money to you as soon as possible. Traditional lenders and banks generally take a lot longer to approve their loans and you’re usually locked into their loans for years.

Types of short-term loans in New Zealand

No one's spending needs are the same and as such, there are different types of short-term loans for different purposes.

How much can I borrow?

Short-term loans are generally for amounts between $100 and $2,000 but they can go up to $10,000 depending on the lender and the loan product.

Benefits of a short-term loan

For a fast and simple short-term loan to get you out of any tight spots when it comes to cashflow, compare our loan products.


Short Term Loans in New Zealand rating: 4.5/5 from 78 votes.

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