Rating based on 80 reviews

The Personal Loan Store

  • Short-term loans up to $10,000
  • Low-interest up to 47.7%
  • Repayment up to 36 months

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Author The Personal Loan Store. Screenshot of The Personal Loan Store website.
[Accessed March 3, 2023]

About The Personal Loan Store

The Personal Loan Store if a leading NZ lender that offers a range of loan types to suit almost any purpose. If you're looking for a personal loan then you're going to love our comparatively low rates, flexible terms and quick turnaround times.

We're a responsible and reliable lender that has been dutifully serving Kiwis for years and, we continue to grow our customer base as word of our excellent products and revered customer service standards spreads. Why waste time standing in a queue at your local bank when you can easily access short-term loans from your office or home in just minutes?

With you - every step of the way

Our customer service agents and consultants are highly experienced in the administration of our lending products and can help you along the way as well as answer any questions you may have. We also have a very simple and streamlined application process that can be completed in minutes.

We require very minimal supporting documentation which include an ID, proof of address and 3-months bank statements. We also offer quick cash loans to people who are self employed or are employed part-time and earn enough to afford the loan amount they're applying for.

The Personal Loan Store Services

We offer small short-term loans from $300 onwards to anyone that is employed full time or has a stable and regular income to prove affordability.

Our short term loans can be used for almost any purpose from planning a big wedding, hosting a birthday party, buying new furniture, buying a camera or other electronics, installing an aircon or paying for vehicle and household repair bills. With all these great ways to make use of your loan and such a simple loan application - it's no wonder that customers recommend us to their friends and family.

What you need to apply for a loan

The Personal Loan Store aims to ensure that your application is processed and your loan is paid out within 2 hours. To ensure your emergency cash loan is credited to your account quickly, it's recommended that you prepare your supporting documents beforehand and, have them readily available to attach to your application.

We also offer flexible repayment frequencies from fortnightly to weekly and monthly - depending on the customers pay schedule. All of our loan features are aimed to help you, the customer, become financially stable and secure while still meeting your immediate goals and dreams. 

The Personal Loan Store – Short-term loan

  • Loan Type Short-term loans
  • Interest Rate 47.7%
  • Loan Amount up to $10,000
  • Repayment 6 months to 36 months

Benefits of The Personal Loan Store

  • SHORT-TERM Loans
  • PERSONAL Loans

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.

The Personal Loan Store are the experts when it comes to short-term loans

Prior to visiting our loan application page, we suggest that you read through the information on our website - particularly if it's your first time taking out a short-term loan to familiarize yourself with the basic terms and general process.

Quick and effortless loan application

The Personal Loan Store is committed to responsible lending practices and are transparent about our rates and fees and, will always inform and disclose this information to our customers. This allows customers to budget and plan more effectively while also giving them peace of mind. Applying for a quick cash loan from The Personal Loan Store is quick and effortless. We have made it possible for customers to apply fully online without having to sign any paperwork or leave their homes and offices.

Our application process is simple, fast and effective

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 our application process is simple, fast and effective and, that clients can access their loans immediately after approval. We will always respond within 1 to 2 hours and will in most cases, credit the loan on the very same day of application.

To be able to qualify for a payday loan we require customers to be over 18, be in full-time employment which can be verified, be able to provide bank statements for the most recent 90 days and have a form of identification and proof of address available.

Supporting documents and requirements

These documents must be scanned and emailed or faxed through to us for processing. Our quick loan application form will take a few moments to complete and will require you to provide your name, address, age, occupation, employment details, income and expenditure estimates as well as the details of how much you'd like to borrow, the payment frequency that you require and how many separate installment you'd like to make.

Once we've received all this information we will verify the details and make you a loan offer within a maximum of 2 hours. If you accept our loan offer, we will send you a loan contract which you must sign and return to us. If you need help with your application or, have any questions for the Personal Loan Store team, you can contact us via our website, via email or by telephone. 

Customer Reviews & Testimonials

After jumping from one company to another, I finally found a place where my needs are completely met. I’m satisfied with the professionalism demonstrated, as well as the speed at which they work ...

Virgil G.
— Dunedin —

My consultant had called me back to say my application was approved just barely after I put the phone down after her professional explanation of the online application process. Extremely impresse...

Alissa H.
— Napier —

I had to put a deposit down on a course at a college, as being a musician alone doesn’t pay the bills. My loan was approved in minutes and I could pay the course. Thanks so much.

Enoch R.
— Auckland —

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