Easy Loans NZ Available Online From $300 To $10,000

Easy loans NZ are there for life’s unexpected moments. If the going gets tough, smooth things over with easy online loans available through Monzi NZ’s network of Kiwi credit providers. Apply for up to $10,000 today.

Person standing on mountain during daytime looking for easy loans NZ

What are easy loans NZ?

The clue is all in the name.

Easy loans NZ are simply loans available to Kiwi consumers. Moreover, easy loans are available online and can often be applied for in no time. As a result, these loans may be a great option for borrowers needing fast and convenient credit.

Credit for life’s classic moments

It can only take one unexpected bill or trip to the mechanics to derail your budget. The next thing you know, you’re searching frantically online for lenders offering the credit you need.

Finding convenient and accessible credit can often feel stressful, especially if you have a deadline to meet. However, Monzi NZ might be able to make the whole process a little easier.

Think of Monzi NZ’s lender-finder service as your one-stop-shop for quick cash loans. In addition, you can apply for anything from $300 to $10,000 – all in one place!

What kind of loans are on offer?

Generally, Monzi NZ’s network of lenders may be able to offer easy personal loans NZ. Moreover, consumers can apply for credit from $300 to $10,000.

In addition, lenders may be able to offer both secured and unsecured loans NZ. Depending on the lender you’re paired with, as well as the loan product you apply for, you may also be offered flexible repayment terms.

The below table includes examples of some of the more common quick loans available in New Zealand.

Easy loans NZFast easy loans no paperwork NZ
Easy unsecured loans NZEasy loans for bad credit
Fast easy loansEasy loans with bad credit NZ
Quick easy loansEasy cash loans NZ

Please note, the above table is for demonstrative purposes only. If you’re paired with a lender, they may not offer the loans listed above.

Easy unsecured loans NZ

Unsecured loans are, simply, loans not guaranteed by one of the borrower’s assets. Therefore, these loans may be ideal for consumers that don’t want to nominate one of their assets as collateral.

Unsecured loans can often be applied for in a short amount of time. In addition, consumers may have access to their loan the same day they approve their contract.

Secured loans NZ

Secured loans, unlike unsecured loans, do require an asset to be used as collateral.

If a borrower defaults on their secured loan, the credit provider is legally able to repossess the vehicle and recoup their losses. Therefore, secured loans generally pose less of a risk to lenders than unsecured loans.

As a result, credit providers are often willing to offer better rates and fees for a secured loan.

Payday loans NZ

Payday loans are small, short-term loans designed to cover a temporary cash shortfall. Moreover, payday loans were traditionally meant to cover you financially until your next payday, hence the name.

Generally, payday loans are available for up to $2,000 and have repayment term between two days and one year. However, this may vary between lenders.

Easy cash loans NZ

Cash loans provide a flexible and convenient form of credit to Kiwi consumers. As the name suggests, these loans can be spent like cash. In other words, you can use cash loans to cover essentially anything you want.

For example, Kiwis can use their easy cash loans to cover anything from:

  • Car repairs
  • Rental bond
  • Medical expenses
  • Education supplies
  • Holiday spending money
  • Travel costs

How does Monzi NZ work?

Monzi NZ is one of the best lender-finding services in the country! In short, we’re experts at trying to match Kiwi consumers with a potential credit provider; without any of the hassle, time or effort.

Moreover, consumers can lodge an application in three easy steps. Here’s how:

Lodge easy loans NZ online

All applications take place online. Therefore, go to our website to start your application.

Select the amount you’re thinking of applying for in the loan slider, as well as your ideal repayment terms. Once you’ve done this, click Apply Now.

Consumers are then taken to our submission form. Here, we just need a few pieces of important information from you. Our system is able to access much of the information we need digitally, meaning our application process is usually 100% paperwork free.

Wait while we work

Consumers can kick back once they submit everything we need. From here, Monzi NZ will try and match your application with a potential credit provider from within our network of lenders.

Depending on when you apply, you may receive an outcome within 60 minutes of applying. This is, however, dependent on you applying during normal business hours.


If we successfully match you with a lender, they will assess your application. If a lender is able to make you an offer, they will be in contact.

Check the contract lenders offer you! The loan offered to you may not be exactly what you applied for on our website.

Am I eligible?

Before we can try and match you with a lender, you will first need to meet certain criteria.

  • Are you 18 years of age?
  • Do you have a personal contact number and email address?
  • Are you a New Zealand Citizen or permanent resident?
  • Have you received income for the last 90 days?

If you meet all of the above, you can get started today!

How can I get a loan fast and easy?

Using Monzi NZ’s lender-finder is already easy and straightforward. However, you may be able to ensure the process runs even smoother.

  • Figure out your borrowing power. What kind of repayments can you fit comfortably within your budget? Aim to establish how much you can afford to repay each week.
  • Good banking history. Aim to keep your account looking healthy. In other words, make sure you’re making other repayments on time and you aren’t defaulting on credit.
  • Credit rating. Figure out what your credit rating is before applying for a loan. In short, understanding where your creditworthiness stands can help you make the right choice.
  • Keep regular savings goals. Regular contributions to your savings account can show lenders you are able to manage to repay a loan.

How can I get an instant loan online?

Certain lenders may be able to process your application so quickly, it may feel nearly instant! As a result, apply with a credit provider offering instant loans online approval NZ.

Keep in mind, instant loans are not truly instant. In other words, you don’t just simply click apply now and then the money is in your account the next nanosecond.

After all, credit providers first need to assess your application. This, obviously, will take a certain amount of time. Furthermore, there may be a delay between approving your contract and having access to your loan.

Depending on the lender, however, consumers can usually expect to receive their funds within 24 business hours of approving their contract.

Is it possible to be approved for a personal loan with no income?

No, not really. However, it is potentially possible to be approved for a loan while being unemployed. What is the difference you ask?

Earning an income is a non-negotiable for people applying for personal loans. After all, lenders need to confirm you will be able to afford your repayments. However, you could earn this income from owning an asset like a rental property; not actually through employment.

Keep in mind, individual lenders may have their own rules around unemployed applicants. As a result, Monzi NZ cannot guarantee you will be considered for approval.

Is it possible to get a personal loan without proof of income?

As we mentioned above, lenders will need to confirm your income and your ability to repay your loan. Therefore, you will usually need to provide some sort of evidence of income.

When you use Monzi NZ, however, your bank statements will be digitally accessed through our system.

Can I get $5,000 easy loans NZ?

Yes, potentially.

Monzi’s network of lenders might be able to offer personal loans that range from $300 to $10,000! As a result, consumers may be able to apply for a $5,000 loan through one of Monzi’s lender partners.

Approval, however, is always at the discretion of the individual lender. Monzi cannot guarantee your easy loans NZ application will be approved.

Explain no credit check loans to me

As you may have guessed, lenders offering no credit check loans will not consider your credit report when assessing your application.

Specifically, here is what happens when you apply for a no credit check loan:

  • The lender will not request a copy of your credit file from a credit-reporting agency.
  • Even if the lender does not access your credit report, it will still let the credit bureau know you lodged an application. If you’re approved, the loan details will be listed on your credit file.
  • Lenders will consider the most recent 3 months of your banking history. Moreover, lenders can rapidly get a good understanding of your financial circumstances.
  • Finally, credit providers will need to confirm you are earning a regular income. Income can be through being employed or owning an income-earning asset.

Are they safe?

No credit check loans are a legitimate form of credit that potentially offered by both reputable credit providers, as well as certain less-responsible lenders.

However, no credit check loans are designed for borrowers with poor credit. In other words, they feel their credit score is so poor, they won’t secure approval for a normal loan.

Lenders offering no credit check loans are aware of this. Therefore, the interest rate and other fees associated with a no credit check loan may be relatively high.

Can Monzi find me easy loans no credit check NZ?

Monzi cannot guarantee you will be offered a no credit check loan.

Credit checks are completely at the discretion of the individual lender you are paired with. In addition, each lender within Monzi’s network is a completely separate entity. Therefore, we cannot speak to their assessment policies or procedures, nor guarantee you will be offered a certain type of loan.

Can I be approved for easy loans with bad credit NZ?


Your credit record is not the be-all and end-all of your application. After all, it may only take a few missed repayments here and there to send your credit score off the tracks.

Luckily, both Monzi NZ and the lenders we work with live in the real world. In other words, we don’t think that a rough patch in the past should determine your ability to access credit today.

Therefore, lenders will always look to get an understanding of the whole picture. In other words, credit providers often prefer to consider your current relationship with money, not just your past mishaps.

Need quick and easy loans for bad credit Kiwis? Monzi NZ may be able to point you in the right direction.

Why do you ask for my online banking details?

We get this question a lot, so don’t stress!

We ask for your online banking details so we are able to digitally access the last 3 months of your banking history. Moreover, our system retrieves read-only copies of your banking history.

This provides a few noticeable benefits for our consumers.

  • Lenders can quickly get a better understanding of your current relationship with money, including your regular income and expenses.
  • Consumers do not have to physically supply any paperwork or bank statements.
  • Lenders are able to assess what repayments you are able to afford.

In short, accessing your bank statements digitally makes life easier for both consumers and credit providers.

Finally, let’s assuage your security concerns. Monzi NZ is secured by both McAfee and Comodo, meaning all your information is kept completely safe, secure and encrypted. Once we are finished with what we need, your login details are permanently deleted from our system.

Will lenders contact my employer?

When you apply for easy loans NZ, credit providers may conduct an employment check.

If you are concerned about an employment check, do not stress. Credit providers are experts at conducting employment checks, and you can be sure lenders will always be professional, and will never disclose the reason for your loan to your employer.

What about a no photo ID loan?

Technically, a photo ID may not be compulsory when you apply. This is because we are often able to verify your identity online.

However, consumers may be required to supply a photo ID if the lender is unable to verify their identity. Therefore, Monzi NZ cannot guarantee you will be offered a no photo id loan.

It may be best to keep some proof of identification handy when you apply, just in case.

What are the fees and charges?

Lenders may all vary in the fees and charges they can offer. Moreover, your fees and charges may also be determined by the type of loan you take out. As a result, Monzi cannot guarantee what you can expect to pay.

However, there may be some typical fees and charges associated with certain loan products.

  • Interest rate. How much you will pay on top of your loan, expressed as an annual percentage rate. Lenders will determine your interest rate.
  • Upfront fees. Includes establishment and application fees. Generally, these are a one-off fee charged when you take out the loan.
  • Ongoing gees. Potentially includes monthly or annual fees, as well as direct debit fees.
  • Penalty fees. Lenders charge these fees if you miss a repayment or default on the loan.

Case study: Kieran finds an easy loan

Kieran’s car breaks down a week before he starts a new job. Unfortunately, he does not have enough cash in his savings to pay for the repairs out of pocket. As a result, he looks online for easy finance loans.

After doing a little research, Kieran decides to use a lender-finding service. He considers the lender-finder option because he feels it may be the easiest option for applying for fast credit. After all, Kieran only needs to lodge one application with the lender-finder, and they’ll do the rest.

Kieran lodges his application during normal business hours, so he matches with a credit provider in no time. The credit provider makes an assessment of Kieran’s application, and decide they are able to make an offer. Therefore, the credit provider is in contact with him within the hour.

Finally, Kieran reads through his contract and is happy with all the terms and conditions. After approving his digital loan contract, the credit provider processes Kieran’s loan, and he receives it by the end of the day.

Quick and easy loans repayments

Using Monzi NZ’s lender-finder service is super easy. Moreover, if you’re eventually offered a loan by the lender you’re paired with, making your repayments is a walk in the park.

Here’s what you can usually expect from your repayments:

  • You and your lender will reach an agreement on the repayment terms. This includes how many months you have to repay your loan, as well as the repayment frequency. In addition, consumers may be able to choose a weekly, fortnightly or monthly repayment schedule.
  • Repayments are automatically deducted from your account through a direct debit.
  • Once your repayments are complete, the direct debit will end.

Will I be charged if I miss easy loans NZ repayments?

In general, yes. Lenders will often charge a fee for missing repayments.

Keep in mind, penalty fees may vary between lenders. Therefore, Monzi NZ cannot guarantee what you will be charged for failing to make a repayment.

If you, however, are concerned you will not be able to afford an upcoming repayment, it is best to get in contact with your lender ASAP. Depending on the lender, they may be able to cancel or reschedule your repayment according to the details in your contract.

Can I get a guaranteed approval loan?

Technically, a guaranteed approval loan is the easiest type of credit you can apply for. After all, you’re guaranteed approval no matter what, right?

Unfortunately, no loan is every guaranteed. This is because New Zealand law requires lenders to lend money responsibly. In other words, lenders need to assess your application to confirm you will be able to afford your repayments and the loan will fulfil your needs and objectives.

Consumers should, therefore, be cautious of any lender offering a loan with guaranteed approval. There is a chance they may not be very responsible credit providers, or potentially even an outright scam.

Additional information

If you have any further questions about your financial situation or credit as a whole, consider visiting the Government’s Consumer Protection site.

Here, you can find information on the following:

  • What to do if you’re struggling to repay your loan.
  • The common fees and charges associated with credit.
  • Different types of loans and lender options available to you.
  • How guarantors work.
  • Credit contracts.
  • What to do in the event of debt collection and repossession.
  • How credit scores, checks and history can affect accessing a loan.
  • How mortgages and home loans work.
  • What to do in the event of bankruptcy or insolvency.
  • Regulations banks and other credit providers must follow.

Apply now

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Here are some costs you may incur if Monzi is able to match you with a lender today.

Loan amount

$300 - $10,000


12 months to 24 months


Interest Rate between 1.5% and 20% per month

$2,500 repaid over 13 months would have 56 weekly repayments of $75.05. Total interest $1702.80. Total amount repayable $4,202.80. This example is based on a monthly interest rate of 9% and an AIR of 108%.

WARNING: This is a repayment estimate only. Your lender will determine the exact fees, terms and loan amounts available for you, which may alter your repayments. Annualised Interest Rates (AIR) could be as high as 292% depending on your personal situation.
Note, your lender may offer you different terms, fees or loan amounts based on your individual circumstances, needs and their own lending criteria. Please check your contract before signing