Short Term Loans NZ Up To $10,000. Cash In Your Account.

Do you need cash but don’t want to make a long term commitment? Well, short term loans NZ could be the right choice for you. Unexpected expenses usually hit at the worst possible time. If you need a short term loan, Monzi NZ may be able to match you with a lender that potentially offering the loan you need.

Monzi NZ is a lender-finding service. We do not offer financial advice. Consider seeking independent legal, financial, taxation or other advice to check how the information and ideas presented on this website relate to your unique circumstances.

Woman using iPhone and laptop to browse for short term loans NZ

Monzi NZ

At Monzi NZ, we understand that your life can be turned upside down at any moment. Unexpected expenses can come out of the blue leaving you short on cash and looking for a solution. Monzi NZ is lender finding service that aims to connect everyday Kiwis with a range of trustworthy credit providers. Our easy-to-use, three-step process takes the stress out of finding a lender, potentially giving you the cash you need, when you need it.

Ultimately, our aim at Monzi NZ is to find a lender that potentially fits your cash relief needs. If you’re not sure how to get started, scroll up and use the loan slider at the top of the page. Once you’ve decided on the size of your loan, we take over and search through our extensive network of credit providers to try to find a lender for you. Through our lender-finder service, applying for the cash you need has never been easier.

What are short term loans NZ?

Short term loans are loans are often repaid over several months. While traditional financial institutions may require longer commitments, a short term loan can be paid back in less time, meaning your stress is kept to a minimum. You are able to borrow amounts ranging from $300 to $10,000 which may be paid back over 12 to 24 months.

Short term loans NZ may be a great option if you’re looking to pay it back fast and then move on with your life. Not only that, they give you the flexibility to pay for what you need now while spreading the cost of months or even a couple of years. There’s no need to compromise your current budget.

The table below outlines some of the more common examples.

Short term loans NZShort term loans
Bad credit short term loansShort term loans no credit check NZ
Short term loans AucklandQuick short term loans

Short term personal loans: what are they?

Short term loans personal loans are loans designed to provide you with the cash you need to cover virtually any personal expense. Securing a personal loan through a traditional financial institution may take some time. Short term personal loans through Monzi’s network of credit providers, however, can typically be arranged much quicker.

Finally, Monzi NZ may be able to match you with lenders offering both secured and unsecured loans.

Why do people apply for short term personal loans?

Well, essentially, there are a ton of different reasons. While some people just need a few hundred dollars to get by, others may need a few thousand to cover a large, unexpected expense.

This diversity is something that Monzi NZ recognises. Given our users’ range of needs, Monzi NZ is associated with a wide range of lenders to ensure that every user can potentially get the cash they need, no matter the reason. Monzi NZ may be able to help you match with a lender potentially offering cash loans from $300 to $10,000.

Still unsure about why you might need a short term loan? In short, some of the most common reasons for needing to borrow money include:

  • Urgent repairs to your car.
  • Medical expenses.
  • Money to pay for a holiday.
  • Replacing household appliances or white goods.
  • Household repair costs (i.e. replacing a leaking tap or repairing a burst pipe).

Short term loans NZ bad credit

Are you on the hunt for short term bad credit loans but struggling with traditional financial institutions? Well, here at Monzi NZ we may be able to help. While it’s no secret that banks and credit unions are less likely to offer loans to consumers with bad credit, Monzi NZ may be able to connect you with a range of lenders who might be able to help.

Monzi NZ and the lenders that we associate with know that life is complicated. Maybe you’ve made a few mistakes in your past that have left your credit score in less than desirable situation? If this is the situation you find yourself in, do not stress. You may still be able to get the loan you need.

After all, Monzi NZ and the lenders we connect you with are able to access read-only copies of the last 90 days of your bank statement. In short, lenders are able to get a better understanding of your current income and financial situation. If it’s evident that you are in a secure position and are managing your expenses well, you may still be considered for approval for short term loans, despite your bad credit.

Keep in mind, however, final approval of your application will be at the discretion of each individual lender. As a result, Monzi NZ cannot guarantee you will be approved.

I need quick short term loans

If you’re searching for quick short term loans, chances are you probably want the money instantly. Moreover, at Monzi NZ we will work as fast as we can to find a potential lender for you. However, we are unable to guarantee exactly how long you will have to wait until the money is in your account.

Each of the lenders that we work with has their own individual policies. As such, the processing times may vary between lenders. In most cases, the funds will be transferred after you’ve reached an agreement with the lender and approved the contract. Access to your funds, however, is dependent on inter-bank transfer times.

If you’re looking to obtain quick short term loans, your best bet is to apply during business hours. In short, this may give you the best chance to get approved quickly and have the money in your account on the same day. On the other hand, if you apply outside of normal business hours, you may not receive your loan until the following business day. In short, you are not guaranteed a same day loan.

Can you find short term loans with no credit check NZ?

If poor financial decisions in the past have left you with bad credit, securing a short term personal loan may be tricky. Often, you may have to resort to searching short term loans no credit check online. While bad credit undoubtedly makes it harder to be approved with certain lenders, there are lenders that can do things a little differently.

The first thing to remember is that Monzi NZ is a lender-finding service only. As a result, we will not perform a credit check. Instead, our aim is to collect your relevant information and pass it on to a potential lender.

The short term loans NZ lenders we pair you with, however, may conduct a credit check on you as part of their assessment policy. If your credit isn’t the best, do not be disheartened straightaway. Some lenders may look at more than just your credit history. In particular, credit providers will look at your income levels, as well as your regular expenses.

Do keep in mind that Monzi NZ is associated with a range of different lenders. With this, comes the fact that each lender will have their own policies. As a result, Monzi NZ is unable to guarantee whether or not a credit check will be performed as part of your loan application.


In order to be able to obtain a short term loan, you need to meet three simple criteria:

  1. Be at least 18 years of age.
  2. A New Zealand Citizen or Permanent Resident.
  3. Have an email address and phone number that we can contact you through.
  4. Received a regular income into a personal bank account for the past 90 days.

I need a short term loan. How can I get started?

Here at Monzi NZ we believe in simplicity. After all, obtaining a short term loan shouldn’t be stressful. Depending on when you apply, our quick and easy three-step process may be able to match you with a lender in 60 minutes or less.

  1. Complete your application: Using the loan slider at the top of the page, select the size of the loan that you require and click Apply Now. Next, complete the online application form.
  2. Let us do the work: Monzi NZ’s automated system will get to work trying to match you with an appropriate lender.
  3. Meet your match: If we are able to find a match for you we’ll let you know by email or text. That’s where we step away. Your lender will then be in contact with you and will complete their assessment of your application. If your loan is approved you’ll receive be sent a digital loan contract.

What do I need to consider before applying for short term loans NZ?

While a short term cash loan might seem like instant money and a quick-fix, it’s important to think about your financial situation before entering into any agreement. Make sure you do a thorough investigation and consider what repayments you will be able to afford on top of your pre-existing monthly expenses.

If you’re comfortable with your financial situation, you then need to consider the nature of the loan. All online loans have an interest rate attached as well as fees and charges for late payments. In addition to this, all lenders have individual policies in regards to financial hardship and changes to your repayment schedule. If you’re confident in your ability to meet the financial obligations, consider applying.

Ultimately though, don’t rush into an unsecured personal loan just because you need cash advanced. After all, if you manage your loans poorly and can’t afford to make repayments, you can get yourself into a financial pickle. Debt spirals and bad credit may be the result, so be smart and consider all the details before applying for a loan.

Short term loans online

Finding lenders offering short term loans has never been easier. After all, Monzi NZ has a 100% online model that could potentially match you with a lender within an hour. In short, the three-step process we’ve outlined is as simple as it gets. All you need to do is enter the loan amount you want to apply online for, fill in some information, and we’ll take care of the rest.

While in days gone by you had to go into a financial institution to get a loan, those days have well and truly passed us by. The process with Monzi NZ from beginning to end doesn’t even require a phone call. As a result, there is no waiting on hold listening to dull music as you wait to connect with a person.

If you’re looking for short term loans online, Monzi NZ could be the lender-finder service for you. A quick, no stress, online process that may help you get the loan you need.

Why should I choose Monzi NZ?

Here at Monzi NZ, our aim is to make finding a lender as simple as possible for you.

If that’s not enough to convince you, there are plenty of other reasons why so many Kiwi borrowers love Monzi NZ’s lender-finder service. Here’s just a few:

  • Easy application: Your application is as simple as just a few clicks. You’ll have it done in minutes and you’ll be able to get back to doing the things you enjoy.
  • Quick Outcomes: Once you click apply now, our automated system gets to work. Scanning through a wide range of lenders, our system may be able to find a match for you within the hour. This saves you the hassle of having to research dozens of potential lenders.
  • Quality Lenders: In our pursuit of doing what’s best for our users, Monzi NZ has established a strong network of trusted credit providers. The lenders that Monzi NZ associate with are honest and will be upfront about all the details of your loan.

What are the repayments like?

As the lender-finder, Monzi cannot guarantee what you could expect to pay on short term loans NZ. After all, lenders all vary in terms of their rates, fees and charges. As a result, the true cost of your loan may vary between lenders.

Furthermore, Monzi NZ’s network of lenders may be able to offer flexible repayment terms. Moreover, loan repayment terms may range from 12 to 24 months. However, this will depend on the size of the loan you take out, as well as the individual lender. In addition to this, you can usually choose to make repayments each week, fortnight or month.

Once you’ve agreed on repayment terms, a direct debit can be set up from your account. Your repayments will be taken straight out of your account each week, fortnight or month, depending on your agreement. Finally, repayments will automatically cease once you’ve paid off your loan.

Keep in mind, however, your repayment terms will be dependent on the loan product you take out, as well as the individual lender.

What if I can’t make a repayment?

If you are worried you are going to miss an upcoming repayment, get in contact with your lender as soon as possible. More often than not, lenders understand how things pop up and circumstances change.

Generally, if you give your credit provider at least 24 hours notice before the payment is due, they may be able to reschedule your repayment.

My circumstances have changed dramatically – I cannot afford my loan anymore

Everybody’s worst nightmare: your circumstances change drastically and you can no longer afford your repayments. Before you start panicking, most lenders have structures in place to deal with these situations.

If you find yourself in this situation, you may be able to apply for what lenders call financial hardship. Most lenders will have departments specialising dealing with financial hardship claims.

Here’s how you can file for financial hardship:

  • Get in contact with your lender to file your claim of financial hardship.
  • You will be asked by your lender to provide relevant information to support your claim. This may take the form of bank statements, employment details or a medical certificate.
  • Your application and the information you have provided will then be assessed.
  • You will receive a response from your lender regarding the outcome of your application.

Your lender may offer an altered payment plan if your hardship claim is approved.

Transparency equals trust

Monzi NZ is committed to providing the best possible experience for our users. As part of this, we will never hide any information from you. We aim to always be upfront and honest about our lender-finding process. If, however, you have any questions, don’t be afraid to get in contact with us at

As part of this commitment to transparency, Monzi NZ has established a network of trusted lenders. These lenders will always be upfront with information about your loan; you don’t have to worry about any traps or hidden fees.

You’ll be sent an online contract if your loan application has been approved. Moreover, the contract will include all the information regarding your loan.

When you receive your contract, make sure you read it carefully. All the fees and charges associated with your loan will be included in the contract. In addition, do not approve a contract unless you have thoroughly examined all relevant information.

Here for all Kiwis

Our 100% online model means you can submit your short term loans NZ application from anywhere. Geography does not limit us. Gone are the days where brick and mortar shops are your only option.

North Island or South Island, Auckland or Invercargill, no matter where you live, Monzi NZ is here for you. All you need is an internet connection. Our lender-finding service aims to help any Kiwi seeking a short term loan.

How can I contact Monzi NZ?

Despite being 100% online, we haven’t lost sight of the importance of genuine customer support. After all, on the other side of your screen is a real person just like you! Therefore, if you have any questions about our application process, get in contact.

Kiwi consumers can reach our customer support team through

Before applying for loans

While short term loans could be a great way to cover an unexpected expense, they are not for everything. Moreover, neither personal loans nor payday loans are meant to cover day to day expenses, like food. In short, developing a reliance on short term loans can result in debt spirals and financial hardship.

If you’re not sure if a loan is right for you, consider seeking professional advice. Luckily, there are free resources available to Kiwi consumers.

The Consumer Protection website is a great resource for Kiwi consumers. If you can’t find what you’re looking for on the website, don’t be afraid to give them a call on 0800 367 222.

Alternatively, go see them in person; there’s a branch in most major metropolitan areas. Moreover, you can meet with a financial counsellor in person and get the advice you need.

Ultimately, always keep in mind that any short term cash loan may be a significant commitment. While they can be a handy tool for covering expenses, they can also be a source of financial strain. As a result, consider all relevant advice and assess your current financial situation before taking out a loan.

Let’s get started!

Use the loan slider to select how much you wish to borrow. Then, we’ll get to work finding you a potential lender.

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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