Money Lenders NZ Offering Loans From $300 To $10,000

Money lenders NZ may be able to offer finance to Kiwi borrowers across our country. Moreover, Monzi NZ’s lender-finder provides potential access to a myriad of different lenders. In short, one application with Monzi equals potential access to credit providers across the nation.

Man standing on submerged jetty looking for money lenders NZ

What are money lenders NZ?

Money lenders NZ is an umbrella term for all credit providers across New Zealand. Specifically, money lenders can refer to:

  • Banks
  • Credit unions
  • Short term lenders
  • Payday lenders
  • Personal loan lenders

Even within the above categories, individual credit providers will vary. Specifically, lenders may vary in terms of their assessment and eligibility criteria, as well as the funds they are able to offer.

Which money lenders NZ does Monzi NZ work with?

Monzi NZ is here to link Kiwi consumers with alternative lender options. In other words, Monzi NZ cannot match you with a traditional lender, like a bank or credit union.

On the other hand, Monzi NZ may be able to match you with a lender potentially offering the following loan products:

Personal loansPayday loans
Cash loansInstant loans
Short term loansSame day loans
Unsecured personal loansSecured personal loans
Bad credit loansNo credit check loans

Keep in mind, Monzi NZ cannot guarantee which of the above loans you may be offered.

Online money lenders

Wondering what the best part of Monzi’s lender-finder service is? Our 100% online business model allows borrowers from all parts of New Zealand to potentially connect with a credit provider.

Money lenders NZ Whangarei

If you need an instant cash loan in Whangarei, you don’t even need to leave your home. In short, you can lodge an application with Monzi NZ from any internet-capable device.

After all, why would you ever want to leave this beautiful, subtropical city by the sea? If you’re wondering what you can spend your loan on in Whangarei, here are a few of Monzi NZ’s favourite things to see and do:

  • Kiwi North. Stretching over 25 hectares of rolling farmland and forest, here you will be able to find Northland’s only Kiwi House. Not only can visitors catch a glimpse of NZ’s most famous bird, but also unique historical artefacts and Victorian architecture.
  • Sandy Bay horse trekking. What it says on the tin; experience beautiful views out to the Poor Knight Islands. With different trails on offer for different levels of experience, this is a unique way to experience Northlands.
  • Adventure Forest. Roughly halfway between Whangarei Falls and Tutukaka Coast, Adventure Park is the perfect destination for a family day out.

Money lenders NZ Auckland

Living in the hustle and bustle of New Zealand’s biggest city doesn’t always come cheaply. As a result, Aucklanders may find themselves looking for quick access to finance. However, consumers can use their cash loans for more than covering bills and expenses.

If you are thinking of applying for a loan, why not consider the following activities in and around Auckland:

  • Hobbiton Movie Set. An easy day trip from Auckland, Lord of the Rings fans can live out their childhood memories.
  • Waiheke Island. If you enjoy your food and wine, this is the tour for you. From wine, beer to olive oils, Waiheke’s micro-climate is ideal for producing some of the best artisan produce in New Zealand.
  • Volcano tour. Experience Auckland’s volcanic geology and Maori culture with a half-day tour of Auckland’s volcanoes. With panoramic views over the whole city, this is a sightseer’s delight.

Money lenders NZ Hamilton

The heart of Waikato; Hamilton provides a heap of things to do for locals and visitors alike. Here are a few of our favourite things to experience:

  • Nature & Nosh. An absolute dream for both food and nature lovers. Not only will the sights like the Wairere Falls take your breath away, but you’ll also be treated to some of the best cheeses in New Zealand.
  • Berry farms. There are many berry farms near Hamilton. Here you can enjoy some of the best berry ice cream going around, all while taking in the tranquil surrounds.
  • Waikato River cruise. Book with one of the river tour companies based in Hamilton. They say the only way to experience the mighty Waikato River is by actually travelling on it.

Money lenders NZ Christchurch

Christchurch is perhaps one of the most unique cities in the world. More to the point, Christchurch is one of the most dynamic places to live in the country, always providing locals and visitors something new to explore.

  • Otago Central Rail Trail. Following the historic railway line from Clyde to Middlemarch, the Otago Central Rail Trail is NZ’s original great ride. Travel through the heart of Otago and wind your way through stunning rocky landscapes, gorges and historic railway tunnels.
  • Christchurch Gondola. See Christchurch just as the birds see the city, soaring above the suburbs. In fact, you may even see birds fly underneath you as you travel through the sky.
  • Alps 2 Ocean Cycle Trail. 301km of continuous cycle track, beginning at the base of the mighty Southern Alps to the coastal town of Oamaru.

Lenders through Monzi NZ

If you’re looking for a credit provider, Monzi NZ may be able to point you in the right direction. In fact, we think using our lender-finding service might be the easiest thing you’ll do all week.

In short, you simply lodge one application on our site, and we’ll do our best to match you with an available credit provider. As a result, you can forget having to waste time trawling through lenders or having to travel into a physical branch.

Do I qualify?

We have aimed to keep our eligibility criteria as open as possible. After all, we want to help as many Kiwis as we can link up with a quality credit provider.

Before getting started with us, just make sure you meet all four of the criteria listed below.

  1. You need to be at least 18 years old.
  2. In addition, you must be a citizen or permanent resident of New Zealand.
  3. You will also need a personal email and mobile phone contact.
  4. Finally, you must also have at least 3 months of banking history, where you have received a regular income into a personal account.

Ready to apply for money lenders NZ? Here’s how you can:

Your search for an available money lender may nearly be over. With Monzi NZ’s lender-finder service, you may be matched with a lender in no time.

The best part? Applying is easy, so you may be in touch with your lender sooner than you think.

  • First, head over to our website and select the amount you’re thinking of borrowing.
  • Next, fill in your information. We only ask for the essentials, so this should be pretty quick.
  • Once you have submitted your application, our system gets to work.

If a lender matches with your application, they will first assess you. If you’re approved for a loan, the credit provider will get in contact. From here, you’ll deal with your new lender directly.

Can I apply for a no photo ID loan?

Yes, potentially.

Many lenders NZ use photo ID as a way to, obviously, verify the identity of the borrower. Moreover, their system may be able to verify your identity digitally, without the need for a photo ID.

However, if their system is unable to verify your identification, the lender may request a photo ID. As a result, it may be best to keep your ID handy while you apply.

What about personal loans with no bank statements required?

It is unlikely any credit provider will be able to offer a personal loan without any bank statements. This is because lenders use a consumer’s bank statements to verify their current financial situation. More specifically, lenders access bank statements so they can confirm:

  • A consumer’s regular income.
  • Their regular expenses.
  • How the consumer has been handling other financial commitments.

In short, confirming a consumer’s financial situation is part of being a responsible lender.

Borrowers should be very wary of any lender offering loans without confirming your borrowing power. There is a chance they may be suspect.

If I get a payday loan, can you guarantee me no employer contact?

Unfortunately, no. Monzi cannot speak to the policies of any individual lender.

In short, the lender you’re paired with may or may not confirm your employment status with your employer.

If an employment check does happen, however, lenders have a strict and professional protocol they follow. In short, the lender will never disclose the details of your loan to your employer and keep everything professional.

What are easy unsecured loans NZ?

These loans are simply unsecured loans with easy eligibility criteria.

Unsecured refers to any credit contract not guaranteed by one of the borrower’s assets. As a result, unsecured loans pose more of a risk to lenders. Therefore, the rates and fees associated with unsecured loans may be higher than those of secured loans.

For borrowers, unsecured loans may present a quick and convenient way to cover a temporary cash shortfall.

Easy unsecured loans NZ may include:

  • Payday loans NZ
  • Cash loans NZ
  • Small loans NZ

Can you find secured loans?

Yes! There are potential lenders within our network that may be able to offer a secured loan contract.

If the borrower defaults on their loan, the lender is able to repossess the security to cover the losses they incurred. As a result, secured loans pose less of a risk to credit providers. Therefore, the interest rate plus other fees and charges may be lower on a secured loan.

Generally, lenders can accept a car, caravan, motorbike or boat as security. This, however, may vary between lenders.

How can I get a loan fast and easy?

Look, we can’t guarantee you will be offered a fast and easy loan. However, our lender-finder service is a great place to start!

Simply lodge an application with us in no time, and from there, wait to match with a potential lender.

I need money lenders NZ for bad credit!

We may be able to point you in the right direction.

Here at Monzi, we are well aware that a poor credit score doesn’t paint the whole picture. After all, it seems to be increasingly difficult to get through life without your credit score taking a few bruises.

Luckily, we work with lenders who share in this philosophy. As a result, lenders will generally prefer to focus on your current financial situation, rather than just your past mistakes.

If a lender is, therefore, able to confirm your loan repayments will fit reasonably within your regular budget, and you have also been handling your other financial commitments, you may still be considered for approval.

Monzi’s network of lenders can potentially offer bad credit cash loans from $300 to $10,000.

What about a no credit check loan?

As each of the lenders within our network is an individual and separate entity, we cannot speak to their policies or procedures. In addition, conducting a credit check is completely at the discretion of the lender themselves. As a result, we cannot guarantee you will be offered a no credit check loan.

As we mentioned above, however, we work with lenders that are concerned with more than just your credit score. Therefore, even if they do conduct a credit check, the lender may still be able to offer a bad credit loan with quick approval.

Can I get a loan if I’m unemployed?

The short answer is: potentially.

You may still be considered for approval if you are unemployed but earn a regular and consistent income. For example, you may be unemployed but have an asset that generates your income, like a rental property.

Keep in mind, all lenders vary in the approval criteria. Therefore, it may be best to get in contact with an individual lender to find out more.

Benefits of Monzi NZ

We believe we are the best lender-finder on both sides of the ditch. However, we’re not trying to convince ourselves; we’re trying to convince you!

To make things a little easier, here are some of the reasons you should consider using Monzi NZ:

Simple application process for money lenders NZ

Lodging an application on our site is so easy, the family dog could probably have a fair crack at it.

Our three-step process is simple and streamlined. Moreover, we only ask for the essential information, so you don’t spend half your day trying to lodge an application.

In addition, our smart system is able to digitally access a lot of the information we need. Therefore borrowers can forget about having to rummage through filing cabinets for bank statements. In short, our application process is generally paperwork free.

Safe and secure

All your data and personal information are kept safe and secure within our system. But don’t just take our word for it.

Monzi’s system is secured by McAfee and Comodo, two of the most trusted names in computer security.

In addition, after our system digitally accesses copies of the bank statements we need, your banking login details are automatically deleted from our system, never to be seen again by anyone – not even us!

24/7 cash loans application

We’re 100% online. Not only can consumers lodge an application from anywhere with a signal, but also whenever they want.

So, it doesn’t matter if you’re on the bus home after work, or if you’re about to head out for a Saturday night; you can lodge an application with Monzi.

Keep in mind, however, if you lodge an application outside of our normal business hours, you may not get an outcome until the following business day.

Customer support has your back

A 100% online business model may conjure up visions of a faceless, soulless mega-corporation. Monzi NZ’s however, couldn’t be further from the truth.

Just on the other side of your screen is another person, just like you. A person who understands the financial pressures of today. So, if you ever need to talk with a real person about your application or Monzi NZ in general, shoot us an email at

If, however, your application is with a lender, we are quite limited in how we can help. After all, lenders are separate to Monzi, and we cannot speak on their behalf. Therefore, if you have a lender specific question, you may need to get in contact with them directly.

Responsible lenders

Every lender within our network is fully licenced credit provider. More to the point, none of the lenders within our network take their responsible lending obligations lightly. Therefore, lenders will always assess your financial situation and objectives, and whether or not the loan product is suitable for you.

You can find out more about responsible lending and other lender obligations here.

Repay with ease

If you and your lender enter into a credit contract, they will offer you repayment terms. Once you agree on your repayment terms, a direct debit will be set up from your account. Therefore, your repayments will automatically be deducted until your loan is settled. Once you have fully repaid your loan, the direct debit will cease.

Understanding money lenders NZ

If you have an upcoming repayment that you feel you cannot afford, get in contact with your lender as soon as possible. Generally, if you give them enough notice, they should be able to cancel or reschedule your repayment for a contractual fee.

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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