Rating based on 12 reviews


  • Loans bad credit up to $20,000
  • Low-interest starting from 29.95%
  • Repayment up to 2 years

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Author Moneyshop. Screenshot of Moneyshop website.
[Accessed April 17, 2018]

Money Shop, with us you can reach your financial goals

Remember the saying money doesn’t grow on trees? Well that might be true but how would you like to shop for money? Money Shop can help make that dream a reality. We are a privately owned finance company.

We opened our first branch in 1993 and have since opened many other new branches across the country. If you are looking for a personal loan that is as easy as doing your monthly shopping you have come to the right place. Money shop allows you to shop for the money that you require now and pay for it later.

Unique lending experience

Our vision is to put a friendly face on bad credit finance, to help each of our clients and listen to their needs, show you respect and help you reach your financial goals. Applying for a loan couldn’t be easier, simply log onto our website and complete the application form with your personal details.

Giving back for a brighter future

The children are our future and we use our influence to give back to the community. One of our projects that is very special to our hearts the Middelmore Kidz First Foundation we donated 500 teddy bears to the foundation that gives them to children that need to have surgery over the Christmas period so they would have a cuddly friend to wake up to and make recovery a little bit easier.

Each child got their very own Money Shop teddy to take home with them. We also sponsor a number of other good causes and charities.

Moneyshop Services

We aim to take the hard work out of applying for a loan we do this by keeping the process as simple and straightforward as possible.

We have gotten rid of the paperwork so that everything can be completed online. You must be at least 18 years old to apply and a citizen of New Zealand.

To apply you will need to supply the following documents:

  • You will need to supply a form of identification once must be a photo ID
  • Accepted forms of ID include: Driver’s license, passport, birth certificate
  • One month’s bank’s statements
  • A copy of your payslip
  • Proof of residence

To pay back your loan is very simple

  • Pay by setting up a direct debit on your account this will prevent you from missing a payment
  • Pay at the branch
  • Pay via check
  • Payroll deduction
  • Pay with pole using your internet banking

If you are having problems making payments on your bad credit loans, please let us know so we can assist you so you don’t get charged additional fees and penalty charges.

Moneyshop – Bad credit loan

  • Loan Type Loans bad credit
  • Interest Rate 29.9542% p/a
  • Loan Amount up to $20,000
  • Repayment 12 months to 2 years

Benefits of Moneyshop

  • Rates are competitive
  • Money is transferred soon after approval
  • Online application

Bad credit loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

At Moneyshop, getting a bad credit loan has never been easier

Don’t let bad credit hold you back

Most of us have made mistakes in the past and have wanted a second chance. If you have made financial mistakes in the past, we don’t think that those mistakes should haunt you and prevent you from obtaining the credit you need when you need it. We have developed a quick cash loan solution specially designed for those people that have a low credit score or a bad credit record.

Hassle-free bad credit loans

Our hassle-free bad credit loans will allow you to borrow up to $500 regardless of your credit score. Apply online in a few minutes, get your decision. The funds will be paid directly into your bank account. We won’t charge you any interest on your loan. You will only be charged a $65.00 set up fee and you will have 3 months to repay the loan.

Financing future generations

If you are between the ages of 18 and 20 years old you could qualify to borrow up to $200 even if you don’t have any credit history as yet. By applying for and paying off your loan, you will develop a credit history and in the future, you may qualify to borrow a larger amount of money.

By developing a good credit payment history early, you will have no problems when you need to open accounts or purchase a vehicle as you will already have a good credit score.

How you can improve your credit score

If you already have a bad credit history and a low credit score, then you will know how difficult it can be to get an instant loan and the other disadvantages a bad credit score brings.

  • Make sure that you request a copy of your credit report and check that all the information recorded is correct. If there are any errors, report them immediately.
  • Improve your credit score by making sure to pay all your bills on time and never miss a payment.

Customer Reviews & Testimonials

When it comes to Moneyshop you will only need to make a single stop. They are wonderful and know their way around financial products. They will do all the shopping around while you plan how you a...

Casey L
— Alexandra —

For a unique lending experience, I highly recommend Money shop. They treat each and every customer as an individual and not another profit or statistic. I felt like I was part of the family after...

Oscar W
— Wellington —

Moneyshop can help you to improve your credit score with one of their loans. Thanks to them I now have a much better score and it’s all due to their amazing bad credit loans. I do not regret a si...

James T
— Hastings —

Moneyshop Contact

Physical Address

  • 253 Lincoln Rd, Henderson Otahuhu Auckland Region 0610 New Zealand
  • Get Directions

Postal Address

  • PO Box 76566, Manukau, Auckland, 2241, New Zealand

Opening Hours

  • Monday 08:30 – 17:30
  • Tuesday 08:30 – 17:30
  • Wednesday 08:30 – 17:30
  • Thursday 08:30 – 17:30
  • Friday 08:30 – 17:30
  • Saturday 09:00 – 15:00
  • Sunday Closed –