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Find a loan for $2,000

Get quick finance of $2,000 to help out with a cash shortfall.

Lenders offer loans of up to $2,000 for a range of purposes, including car repairs, dental bills or to get through a stressful few weeks. If any of these situations apply to you, a small personal loan might be worth considering. If you are over the age of 18 and have a regular source of income, you may find a lender who will consider you for a loan of up to $2,000. You can read our guide below, to find out more about your finance options.

⚠️ Warning: be cautious with short-term loans

If you're experiencing financial hardship and would like to speak to someone for free financial counselling, you can call the MoneyTalks helpline operated by FinCap on 0800 345 123. It is open from 8:00am to 5pm, Monday to Friday and 10am to 2pm Saturday. When comparing short term loans, ensure you take into consideration any fees, charges and rates you may be charged.

Alternatives to short-term loans

Consider these alternatives before applying for a payday loan:

  • Use online Government resources. The Commerce Commission New Zealand website explains how loans works and what to be aware of when borrowing from a lender.
  • Payment plans. Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan or receive an extension on your due date if you’re behind on payments.
  • Contact your creditors. Speak with creditors about extending the due date of your payment, or working out a new payment plan that works for both of you. Seek personal loans elsewhere. Consider a small personal loan from a bank or a credit union. You may qualify for a loan with much lower interest rates than those offered by payday loan companies.
  • Pay with credit card. Consider paying with your credit card to cover your emergency bills or payments. This is not a long term solution, as you’ll need to pay off the balance as soon as possible, but it’s an alternative to a short term loan with high – and immediate – interest rates.

Short term loans up to $2000 you can apply for today

Name Product Max Loan Amount Loan Term Turnaround Time Loan Interest Establishment Fee Account Administration Fee
Moola Loan
90 - 182 days
Often available in under 60 minutes
292% p.a.
(fixed for the term of the loan)
Eligibility: Be 18 or over, be in employment and be a New Zealand citizen, permanent resident or have a valid working visa.
Borrow up to $1,500 and enjoy a flexible repayment plan.
Save My Bacon Flex Loan
12-36 months
Same day
49.95% p.a
Eligibility: Be 18 or over, have an income of at least $400 per week and be a NZ citizen, permanent resident or have a valid work visa.
Medium term loans from $2,000 to $5,000 with no hidden fees.

Compare up to 4 providers

Are you eligible for a $2,000 loan?

Eligibility differs between lenders, but you can usually get a loan if you meet the following criteria:

  • Age. You need to be over 18.
  • Employment. Some lenders require you to be employed, but you may find a lender that will consider you if you are unemployed. Casual and part-time workers may also be eligible for loans.
  • Income. You usually need to earn an income to be eligible for a short term loan, and some lenders may have a minimum amount you need to make, while others only need to see a history of payments over the previous three months.
  • Work and Income. If you receive Work and Income payments, you may still be eligible for a loan. Bear in mind there may be restrictions, such as the loan repayment not exceeding 50% of your Work and Income payments.

What are your options for getting $2,000 today?

An ideal starting point when looking for a personal loan is to search through the options available. These may be secured or unsecured, with secured loans requiring you to provide some form of collateral. Below are details about some of your loan options:

  • Secured personal loans. Some small lenders allow you to secure your loan, to get a lower interest rate. Providers may also include pawn shops.
  • Payday loans. These are the most common type of $2,000 loans. With a payday loan, also called a short-term loan, you usually have between two days and one year to repay what you borrow.
  • A loan with no credit check. If you’re concerned about your credit history holding you back, you can apply with a lender that doesn’t conduct credit checks.

What you need to know when comparing $2,000 loans

How you compare your options largely depends on whether you apply for a payday loan or $2,000 standard personal loan. Below, we’ve broken down what you need to know when comparing your options for both loans:

  • What is the interest rate?
    Interest rates for personal loans can vary significantly from one to another. For standard bank and credit union personal loans, it depends whether the loan is unsecured or secured. It’s always best to compare, so you know whether the rate is competitive.
  • What is the term of the loan?
    Payday loans may extend anywhere up to one year. Other personal loans usually have terms between one and five years for fixed rate loans and one and seven years for variable rate loans.
  • What are the fees and charges?
    Personal loan providers may charge other establishment or monthly fees. Loans can attract late and missed payment fees and default fees, so if you think you’ll have problems repaying the loan it’s best to reconsider applying.
  • Is there repayment flexibility?
    Lenders that offer small loans, typically ask that you set up a direct debit through your bank account to make repayments. You can usually repay variable rate loans early without penalty, whereas fixed-rate loans may come with an early repayment penalty.
  • What is the reputation of the lender?
    The Internet has given rise to an increase in the number of online lenders, so finding out a little about the lender in question can be an excellent place to start. Before applying, make sure you go carefully through the terms and conditions of any loan and don’t hesitate to compare the experiences of other borrowers with the lenders on your shortlist.

How to increase your chances of approval

While there is no way to guarantee a lender will approve your loan application, it may help to keep the following in mind:

    • Establish eligibility criteria

On each Finder review page you can find a list of the eligibility criteria you need to meet to receive approval for the loan, so take some time to study these beforehand. If you have doubts about any aspect, you can always call the lender in question. Before you apply, ensure you meet the minimum income requirements and eligibility criteria.

    • Go through your credit file

You can get a free copy of your credit file online, which might be a good idea before you apply. Having a good understanding of your credit history can put you in a better position, so you know what loans you can and can’t apply for. While you might feel you know what your credit history looks like, your credit file might reflect otherwise. If you find any discrepancies, you can take measures to rectify them.

    • Limit your applications

Every time you apply for a loan, it is listed on your credit file, and submitting more than one application at a time can negatively affect your credit score. As a result, compare your options before applying and don’t apply for too many loans at once.

Factoring in your repayments

It’s essential that you have an idea of what your repayments will be before you apply for a loan. Once you know just how much you have to repay, take into account your existing salary and expenditure, and establish if you can afford to make the repayments.

You can use a loan calculator to find out how much you might have to repay weekly, fortnightly, or monthly. You need to input details such as your loan amount, which, in this case, is $2,000, along with the interest rate, loan term, and repayment frequency.

The good and the not-so-good of $2,000 payday loans

  • Opportunity for flexible repayments
    Flexible repayment options let you line up your repayments to when you get paid. By making extra repayments, you can repay the loan ahead of time.
  • Online presence simplifies the process
    If a lender is online, the entire process is streamlined. You are usually given multiple options during the application process, to submit documents and information, and to track your application’s progress.
  • Higher fees
    Payday loans attract higher costs due to the risk the lenders are taking on. It’s important to consider whether you can afford the loan before you apply.
  • Short loan terms and repayment schedules
    Most cash advance and payday loans require that you repay the entire amount between two days and one year, resulting in high repayments.
  • Unscrupulous lenders
    Some online lenders can be disreputable and set unfair terms, so it’s essential to do your research and apply for a loan with a reputable lender.

What to avoid

When you go looking for a $2,000 loan, bear in mind that it can come with associated risks:

  • Avoid taking on more credit than you can handle and exercise caution throughout the loan process.
  • A short repayment period and high fees translate into high repayments, so think carefully before applying for a $2,000 loan.
  • You can try to avoid high-interest rates by comparing multiple lenders. Remember, some short-term lenders don’t display the comparison rate, which incorporates the interest rate and fees.

Frequently asked questions

Below are answers to commonly asked questions about $2,000 loans. If you have any other further questions, feel free to ask using the form at the end of this page.

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