Rating based on 7 reviews

The Little Loan Shop

  • Short-term loans up to $1,000
  • Low-interest starting from 0.68%
  • Repayment up to 6 weeks

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The Little Loan Shop homepage
Author The Little Loan Shop. Screenshot of The Little Loan Shop website.
[Accessed March 3, 2023]

About The Little Loan Shop

The Little Loan Shop provides small loans and payday loans with incredible fairness, transparency and excellent customer services.

Fast, convenient and easy!

We are a registered service provider that goes above and beyond the call of duty to maintain our responsible lending practices and offer customers a fast, convenient and pleasant service. Our loan acquisition process can be completed online and we transfer funds directly to the customer within an hour of approval.

Although we primarily provide online loans we can also assist customers who wish to apply using the more traditional paper process.

A reliable & transparent lender

We believe that an informed customer is a happy customer and we lay out all our fees, rates and procedures upfront so you can make the best possible decisions.

We have no hidden fees or charges and will always keep you in the loop - you loan agreement will contain all the details that you need to know. Our website offers customers information on every aspect of the quick loan process, on debt and savings and on all matter related to money. We offer new customers payday loans of up to $200 and repeat customers loans of up to $600. 

The Little Loan Shop Services

The Little Loan Shop offer easy loans online of between $100 and $600 at very reasonable rates and fees.

Loan features you'll love

New customers can apply for a short-term loan of between $100 and $200 and customers that have obtained and repaid a loan through us at least 3 times can apply for an amount of up to $600. Unfortunately we cannot help you if you are under SIO or have declared bankruptcy.

Our loan term is flexible, so you can choose to repay the money in anything between 1 and 6 weeks - a feature of our loans that truly makes us unique and helps customers ease any financial strain they may be facing.

We help those with bad credit

Many people worry that they won't be approved for a loan because of their past bad credit history but, at the Little Loan Shop  we offer you a bad credit loan whilst we consider whether you can afford the loan based on your weekly or monthly income.

Our payday loans can be accessed in just 4 easy steps and the entire process is paperless - so you don’t have to fax, scan or walk into a branch to pick up the cash - everything is done online. This allows you the freedom to apply and access credit from just about anywhere and, at any time that you wish. 

The Little Loan Shop – Short-term loan

  • Loan Type Short-term loans
  • Interest Rate from 0.68%
  • Loan Amount up to $1,000
  • Repayment 7 days to 6 weeks

Benefits of The Little Loan Shop

  • Apply even if you have bad credit
  • Affordable short-term loans
  • Quick and easy online loan applications

Short-term loan calculator

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

Getting a short-term loan is as easy as completing a quick online loan application

In order to qualify for a payday loan you must be a resident of New Zealand, earn above $450 per week in full time employment and be able to provide bank statements or pay slips, have a bank account that supports direct debits, have a photo ID and proof of residential address.

Who we can help

Although we can still provide you with a short-term loan if you have a poor credit score we cannot help those who have filed for bankruptcy or are under an ISO. This is part of our obligation to responsible lending practices as a registered financial service provider and is non-negotiable. As mentioned, we will certainly try and assist those with poor credit, however, this is not guaranteed and is dependent on your ability to prove that you can afford to make the repayments and that you meet our minimum requirements.

Apply online - save time and money

Both new and existing customers can apply for a loan online via our website. We have put a lot of time and effort into ensuring that you our application process is simple, fast and effective and that clients can access their loans immediately after approval.

Existing customers and new customers are directed to a separate application page - this is so that returning customer don’t have to provide us with the same details as they did last time and, so they can complete their loan application faster. If you're ready to apply for a short-term loan with the Little Loan Shop then it's time to head over to our application page where you can start the effortless process.

How to apply

If you are a new customer you must navigate to the new customer application page where you will need to provide us with a few details and some basic information. You are entitled to apply for a loan of between $100 and $200 as a new customers. Returning customers can navigate to the application page entitled "returning customers" where you can tell us who you are and how much you'd like to borrow this time around.

Our current interest rates are 1.25% per day or a Representative 456% APR and we charge an establishment fee off $21,50 to process and advance your quick cash loan. If you get stuck at any point along the way or you have any questions or concerns you'd like to address -you can contact us for immediate assistance. We have a skilled team of professionals on standby to help customers and make sure that you can access the funds that you've applied for as quickly as possible. 

Customer Reviews & Testimonials

I want to take my boyfriend on a surprise trip up the coast, but we’re both flat broke. Luckily the loans company came to my rescue! Excellent service and my loan paid out the next day. Holiday, ...

Samuel C.
— Nelson —

I managed the relatively complicated online process, but my money took three days to be transferred.

Corinne C.
— Wellington —

I urgently needed a financial boost, thankfully my loan was paid out within 24 hours.

Randy V.
— Queenstown —

The Little Loan Shop Contact

Physical Address

Postal Address

  • PO Box 34 673, Birkenhead, 0746, New Zealand

Opening Hours

  • Monday 09:00 – 16:30
  • Tuesday 09:00 – 16:30
  • Wednesday 09:00 – 16:30
  • Thursday 09:00 – 16:30
  • Friday 09:00 – 16:00
  • Saturday – Closed
  • Sunday – Closed