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What Are Short Term Loans NZ?

They are a type of loan which a person will take out for a short period of time, weeks or months, before they repay completely in one lump sum or a series of instalments. Short term loans typically are used by people who have bad credit or desire no credit check, and are taken out to help remedy a financial crisis. You can obtain this type of loan at Monies by completing the application, by clicking “apply” above.

“Short-term loans” simply means that the loan is designed to be paid back quickly or in a shorter period of time. Unlike banks or credit card providers, you don’t need to wait around for this type of lending. Often, bank loans and other traditional ways to borrow money have terms that normally include repayment plans that last months or years, and applications for those can take days to be approved.  At Monies we can provide small short-term loans that can be used for your short-term money needs. To get you out of a tight spot when funds are low.
Definition for businesses: It is a loan scheduled to be paid back in less than a year. When your business doesn’t qualify for a line of credit, and banks are unwilling to lend you money, you might have success in the form of a one-time short term loan (for less than a year), to finance your temporary capital requirements. However, you do not need to be a business to qualify, they are typically taken out by individuals in the form of a payday loan.

Types of Small Cash Loans

There are generally two types of short term loans: payday loans and instalment loans. Payday loans, which are also referred to as cash advances, are paid back when a borrower receives their next pay cheque. Instalment loans, on the other hand, allow the borrower to make several repayments over weeks or months. For either cash advances or instalment loans, lenders charge fees that are paid along with the repayment. This type of lending does not require collateral.

Short term loans are an affordable alternative to payday loans in NZ. They are loans that can be repaid in instalments. For many people, it is easier to pay in several instalments rather than one lump sum. However, if you prefer to repay in one lump sum, you can do this. They are also called personal loans and cash advances. Following are some example amounts you could potentially qualify for.

Short Term Loans Amount Available for
Qualified Applicants
Personal Loans NZ $200
Payday Loans Company $300
Small Loans NZ $400
Personal Loans NZ $500
Short Term Loans $600
Short Term Cash Loan $800
Small Cash Loans $1000

About Personal Loans for Bad Credit

We have simple to qualify for payday loans and instalment loans between $100 and $5000 for new customers and returning customers. If you are seeking a new loan for the first time, the amount available will typically be a little less.

This is a solution to cover unforeseen expenses such as a vehicle needing repairs or other emergencies that you cannot cover until your next pay cheque.

Small Loans for Bad Credit

Bad credit loans are very flexible and can range from one repayment to several months. If you need to borrow for longer, apply for a payday loan which spreads repayments over six months or more. Repay early if you can to save on interest, as this is not a perfect solution for long term lending.

Sometimes borrowing for short term makes perfect sense. In some situations, not having a loan could result in even greater financial losses. Bank overdraft fees often are more expensive than getting a short term loan.

Ideally, you will be able to repay the borrowed amount relatively soon, as with your next pay cheque. This limits the large fees or interest associated with this type of borrowing.

If you have bad credit and would like to receive a loan, but are afraid that a credit check would prevent you from receiving one, this is the type of lending that is a solution to your problem. As long as you are employed and are able to repay, you have a good chance of qualifying. There is no fee for merely applying, so click apply today and see what you qualify for. Make certain to go with a direct lender and avoid brokers, which may increase the processing time and/or expense associated with obtaining your cash. is a credit broker and not a direct lender.
We do not charge any fees.

Monies does not charge any fees. If you are contacted by anyone saying they are calling from Monies requesting you make them a payment, report it to the police immediately. We will never contact you asking for a payment. 
Warning: Late repayment can cause you serious money problems. For Help and Advice with money trouble, visit
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