Small Loans NZ Available Online – Apply From $300

Small loans NZ might just be able to give you the cash you need in the short-term while spreading the costs over time, so your lifestyle doesn’t have to change too much. Moreover, Monzi NZ may be able to match you with a credit provider in no time.

Man orange jumper taking photo of small loans NZ on iPhone

Monzi NZ

Personal finance can be a delicate balancing act. One day you’re living comfortably with a well-managed budget but as we all know, things can change oh so quickly.

Maybe your car breaks down or your fridge dies. All of a sudden you can go from feeling comfortable to needing cash FAST.

Here at Monzi NZ we know that things don’t always go to plan. Sometimes you need to find small loans NZ just so you have that little bit of extra cash to get by. It’s our job to help you find what you’re looking for. At Monzi NZ we connect regular Kiwis with lenders through a simple and easy-to-use model. If you’re looking for a loan between $300 and $10,000, we may be able to help.

What are small loans NZ?

Small loans NZ are just what they sound like. If you’re short on cash, you can apply for a small loan. That way you can pay for what you need now while spreading the cost over months or years.

If you’re looking for a small loan, you can apply for unsecured loans between $300 and $2,000 which you may be able to repay over 12 months. If you need a little more, loans may range from $2,000 to $10,000 with possible repayment periods ranging from 12 to 24 months. At Monzi NZ, we investigate a range of lenders to try and find one who fits your needs.

Securing small loans NZ online doesn’t have to be a stressful experience. Monzi NZ makes it as simple as just a couple of clicks. Whether you’re trying to pay for your holiday or cover those unexpected costs, small loans NZ may be a great option for Kiwis needing fast cash.

Keep in mind, repayment terms and security may vary between lenders.

Small cash loans NZ

Not all loans have to be for thousands of dollars. Sometimes all you need is a small cash loan NZ just to get you through until your next paycheck. So, if you think this is something that you could use, Monzi NZ may be able to help you.

Monzi NZ may be able to connect you with lenders potentially offering small cash loans NZ. Even if it’s just a couple of hundred dollars to tide you over for a few days. Just use the Monzi NZ loan slider and in no time you could be in touch with a potential lender. The slider allows you to easily find the amount you need.

Making repayments is simple once you’ve obtained your loan. A direct-debit can be set-up to take away all the stress and hassle. The agreed-upon repayment amount will simply be deducted from your account each week or month until the loan is paid off.

The below table gives examples of the small loans past Monzi customers went on to be approved for.

NZ Small loanLocation
Small loans for bad creditNew Plymouth, Taranaki
Loans for low income NZHamilton, Waikato
No credit check loans online instant approval NZNapier, Hawke’s Bay

Why might I need small loans NZ

A small cash loan NZ may be your best option if you’re hit with unexpected expenses. Some classic emergencies that leave you short on cash include:

Car troubles

You’re driving around and all of a sudden you see the dreaded check engine light on. Maybe you get in and turn the key only to be met with a whimper rather than the usual roar of the engine? Not only are car repairs extremely inconvenient but they can also get expensive quickly. Unfortunately, most of us need our cars to get to and from work so repairs are non-negotiable.

A small cash loan NZ allows you to pay for the repairs now while spreading the cost over 12 or 24 months. Monzi NZ can help you find a manageable small personal loan NZ to pay for your repairs, while still allowing you to manage your day-to-day expenses.

Household expenses

Household repairs can range from something as simple as a dripping tap to something as disastrous as a burst pipe. In a worst-case scenario, if you need repairs done urgently but you’re outside of normal business hours, expenses can skyrocket.

Your washing machine or fridge can be working one minute and then the next thing you know they give up. Appliances aren’t cheap and the costs of replacements can be steep. Most of the time you don’t have a choice but to replace them because, let’s be honest, it’s pretty hard to live without a fridge.

If you don’t have the cash to pay for these expenses, you can get a small loan NZ to cover the costs. At Monzi NZ, we’re all about finding lenders who can provide you with small cash loans NZ to get you through these tricky times. With repayment periods ranging from 12 and 24 months and affordable monthly repayments, you can pay for what you need without crippling yourself financially.

Need cash? We get it

While we all wish that we had the savings to cover every expense, for most of us this just isn’t a reality. With the cost of living constantly on the rise, it’s getting harder and harder to always have the cash on hand to pay for everything.

That’s where we come in. If you find yourself short on cash, buried under a mountain of expenses, we’re here to help. Monzi NZ’s simple lender-finder service will do the work for you. We’ll take away your stress and do our best to find you a lender that may be able to provide you with the small personal loans NZ that you need.

Have bad credit and not sure that you’ll be able to secure finance? Don’t fret. While traditional financial institutions like banks and credit unions may be unwilling to look past bad credit, there are other options. Monzi NZ’s network of trusted lenders may be able to focus on more than just your credit score.

Small unsecured loans NZ

If you’re looking for a cash loan, you may be able to apply for a a small unsecured loan NZ. The unsecured part comes from the fact that you won’t be required to use one of your assets as collateral. The simple nature of these loans makes them great for those small, unexpected expenses that crop up from time to time: car expenses, vet bills and the like.

Once you start seeking out larger loans, there is a chance lenders will ask you to attach one of your assets as collateral to secure the loan. Cars, motorbikes and boats are the most common sources of collateral that may be accepted by lenders.

Small payday loans NZ and small personal loans NZ

Payday and personal loans are both potential sources of cash when you’re hit with unexpected expenses. In spite of their similarities, there are some key differences to consider.

Payday lenders, as a rule, offer shorter repayment terms. Moreover, the short repayment terms may translate into high regular repayments.

Personal loans, by comparison, may be offered at larger amounts have longer repayment terms. Often, repayment terms may range from several months to years, depending on the lender.

Are small loans NZ right for me?

While lenders will assess your ability to pay back any small loans NZ, it’s important that you do your research and decide if taking out a loan is what’s best for you. As part of this, it’s important to weigh up both your personal situation as well as the lender’s policies for any loans you obtain.

Before using Monzi NZ to help you find a lender, it’s important to do a thorough evaluation of your financial situation. Understanding what you can afford and how much you need, will help ensure that you obtain a small personal loan NZ that is affordable for you. So ask yourself some key questions:

  • Is obtaining a loan the only option I have?
  • Do I have a consistent income?
  • How much can I afford to repay each month?
  • Will I be able to manage repayments on top of my normal expenses?
  • How long will I need to repay my loan?

Once you’ve been approved, be sure to go over the contract with a fine-tooth comb. Take note of any fees that may be applied for missing repayments. Check the lender’s policy about making changes to your repayment schedule. Investigate whether there are options for you if your circumstances significantly change.

Be sure to consider all the information before agreeing to anything. Taking out a loan can be risky and potentially disastrous if managed poorly. Taking into account all the information will ensure you secure a loan that is manageable for you.

Small loans NZ eligibility

  1. At least 18 years old
  2. New Zealand Citizen or permanent resident
  3. Have a phone number and email address
  4. Must have online banking with the most recent 90 days worth of banking history

Apply in three easy steps

Finding small loans NZ is a quick and easy process. In just a few easy steps, Monzi NZ will try to match you with a credit provider that will match your needs. So, if you’re ready to get started, keep reading and we’ll take you through the simple three step process.

Step One

To begin your journey head back up to the top of the page and check out Monzi’s loan slider. Adjust the apply for your ideal loan and repayment terms. Once that’s sorted simply click Apply Now and your journey to securing small loans NZ will be underway.

Step Two

Once you’ve hit apply now, your work is done and we take over. We’ll gather the information from your application and get to work to try and find a suitable lender for you.

To put it simply, our system will scan through a wide range of credit providers to match you with a potential credit provider.

Step Three

We’ll do our best to match you with a lender. If we successfully pair you with a lender, they’ll first assess your application. Finally, if the lender is able to make you an offer, they’ll be in touch with a digital loan contract.

It is important you read through your contract carefully before signing anything. In particular, consider the loan amount, repayment terms, and any additional fees and charges.

Do I get the money instantly?

Unfortunately, here at Monzi NZ we have no control over how quickly you will receive your money. Monzi NZ is a lender-finding service and as such we deal with a wide range of lenders. Each lender has their own policy so giving you a definitive time is impossible.

As a rule though, once you’ve reached an agreement with your lender, they will usually transfer the funds right away. Once that is done, the time it takes will depend upon your bank and how long transfers usually take.

If you want to speed up the process be sure to apply during normal business hours. This will give you the best chance of connecting with a lender and receiving your funds promptly. We do understand though that it’s not always possible for you to apply during these times. However, understand that if you apply on weekends or outside business hours you may have to wait until the next business day for the process to be completed.

Is bad credit a problem?

If you’ve made some mistakes or had some issues in the past that have left you with bad credit, fear not. Bad credit can make it difficult to secure loans with banks and credit unions who are less likely to offer small loans bad credit NZ. With Monzi NZ, however, we may be able to match you with a lender more understanding of poor credit.

The lenders we work with may be able to look past your bad credit. Lenders are able to access read-only copies of your bank statements for the last 90 days. Moreover, by looking at this statement, lenders can get a good understanding of your current financial situation.

Finally, if you have a regular income and you’re comfortable managing your expenses, you may be considered for approval, despite your credit record. However, approval is at the discretion of the individual lender.

Small loans NZ no credit check

If you’re searching for small loans no credit check NZ, there’s a good chance you think it’s going to be impossible for you to secure a loan. While some lenders may be scared away by your bad credit, there are lenders that may be willing to look past it.

Here at Monzi NZ we don’t conduct credit checks on you. Our job is matching you with lenders who can provide you with a loan. However, some of these lenders may conduct a credit check after you’ve been matched with them. In our search, we aim to find lenders that go beyond just a basic credit check. Your current financial situation can also be taken into account.

The lender you are matched with may check your credit score which will be outlined in their individual policies. But don’t be dismayed. There’s no guarantee this check will result in you being denied for your loan. Most lenders will consider your current financial situation, so if you’ve had some troubles in the past it won’t define you.

What do I do if I’m going to miss a repayment?

If you’re short on money and you’re not going to be able to make a repayment, you will generally be charged a fee; your contract will outline any late and penalty fees. Always take note of these fees before agreeing to any loan. Otherwise, it could become an expensive mistake.

Making your repayments can be tough at times; one minute you’re on-track and the next, your budget is blown out of the water.

Lenders are, however, often understanding about your situation. Therefore, get in contact with your lender as soon as possible to let them know you will miss an upcoming repayment. Depending on the lender, if you get in contact with them at least 24 hours before your payment is due, they may be able to cancel or reschedule your repayment.

I’ve had a major change in my circumstances

Major changes in your circumstances can be just around the corner at any time. Maybe you lose your job, break your leg or get seriously ill, making it impossible to pay back your loan. If this happens to you, your life is not over, there are options for you. Your lender may allow you to apply for financial hardship.

Most lenders will have experience in managing financial hardship and will be willing to help you. When applying for financial hardship ensure that you give sufficient details about the causes of the hardship (E.g. illness or injury), your current income and expenses as well as what repayments you would be able to afford. Once you’ve provided this information your credit provider will assess your application and will provide you with a response.

If you’re application is successful, new repayment terms will be instituted. If you’re unsuccessful in your application, the repayments outlined in your original contract will remain.

Why should you use Monzi NZ?

Even after all we’ve talked about, it’s fair to question why you should use Monzi NZ to help find you a lender. Well, we believe in our services and know that it can make your life easier. If that’s not enough, here are a few other reasons why you should get on board.

It’s super fast and simple

When it comes to applying for a loan, usually you end up buried under a mountain of paperwork. At Monzi, we’ll never put you through that kind of hassle. Our application process can be completed in just a few clicks. So quick and simple, your application may take minutes!

Flexible small loans NZ repayments

Kiwi consumers may be able to fit their repayments around their normal life. Specifically, Monzi NZ works with lenders potentially able to offer weekly, fortnightly or monthly repayments over a certain amount of time.

Furthermore, lenders will generally set up a direct debit from your account to automatically deduct your repayments. Finally, once your loan is settled, the direct debit will stop.

Keep in mind, your lender will determine your repayment terms.

It’s all online

We all know how frustrating it can be waiting on hold for hours, trying to get through to a real person to discuss your financial needs. Some of you might even get phone anxiety and shudder at the thought of having to make a call. Monzi NZ solves all these problems with our 100% online lender-finding process. You can secure your loan from the comfort of your own home without ever having to talk to another person. How’s that for convenience?

We work fast

Click apply now and set the wheels at Monzi NZ in motion. At Monzi NZ, we use an automated system that will search through a wide-range of lenders for you. If you apply during business hours, we will try to get a response to you within the hour.

We’re here to help

Monzi NZ may be a 100% online service, but that doesn’t mean we’re run by robots. Our customers are important to us and we’ll do everything we can to ensure your experience with Monzi NZ is a great one.

If you need any assistance with your application or have any queries, don’t be afraid to reach out and get in contact with us. We’ll do our best to get back to you promptly but keep in mind responses will be quickest during business hours. You can reach us at and we’ll do what we can to help you out.

Start your journey

Now that you know all the information, it’s time to start your journey with Monzi NZ. Head on up to the top of the page and make use of the loan slider. We’ll match you with a lender in no time and you’ll be on your way to obtaining the small loans NZ that you need.

Finally, consider The New Zealand Government’s Consumer Protection site before applying for a loan; here you can find useful information on loans, lenders and debt.

Factor In


Two credit cards
Two credit cards

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