Reviews collected under Lending Room, the team behind NeedCashToday.
We are not a lender. NeedCashToday is a loan matching service. You apply once, we assess your situation and match you to the lender on our panel most likely to approve you at a competitive rate. One application instead of one per lender, and one soft credit check instead of a stack of hard ones.
Checking won't affect your credit score. Most applicants hear back the same business day.
NeedCashToday is a loan matching service operated by Lending Room Limited (FSP486566), an FSPR-registered NZ operator bound by responsible lending under the CCCFA 2003. We are not a lender. Soft credit check only from us, no score impact.
Finding a loan in New Zealand used to mean the same thing every time. Fill in a form, wait, get a yes or a no, then start again with the next lender. Every application left a hard credit check on your file, and there was no easy way to know which lender was the right fit before you tried.
NeedCashToday was created to fix that. Operated by Lending Room Limited, we are a loan matching service, not a lender. You apply once. We assess your situation, run a single soft credit check, and match you to the lender on our panel most likely to approve you at a competitive rate.
Everything we do sits on one idea: you should be able to check your options without it costing you your credit score or your time. That is why Kiwi borrowers have rated us 5.0 on both Trustpilot and Google.
One application, one soft credit check, and the right lender matched to you. No runaround, no obligation, and always on your side.
We sit between you and a panel of vetted NZ lenders. You tell us what you need once, and we do the legwork of finding the right fit.
One short form, about 5 minutes. Tell us how much you need, what it is for, and a bit about your situation. You never repeat yourself to a second lender.
We run a single soft credit check that does not affect your score, then identify the lender on our panel best suited to you and most likely to approve you at a competitive rate.
We come back with your approval and the full terms. If it works for you, we guide you through to settlement. There is no obligation to proceed at any stage.
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See exactly how the process works, step by step.
We are only useful if you can trust us. These are the principles we hold ourselves to on every application.
One soft credit check, not a stack of hard inquiries. Checking your options should never cost you your score.
We review your situation before approaching any lender, and only present options that make sense for your position.
Our broker and introducer fee of up to $1,500 (GST inclusive) is disclosed in full before you commit. No surprises.
You decide whether to proceed once you have seen your approval and the terms. There is no fee if you choose not to go ahead.
Our panel includes specialist lenders who work with visa holders and situations that mainstream lenders often decline without review.
We are operated by Lending Room Limited (FSP486566) and bound by responsible lending under the CCCFA 2003, supervised by the Commerce Commission. We only match you to a loan you can comfortably repay.
Get Started in 5 MinutesNeedCashToday is operated by Lending Room Limited, an FSPR-registered New Zealand operator. We are bound by the responsible lending principles in the Credit Contracts and Consumer Finance Act 2003, and supervised by the Commerce Commission.
That means we make reasonable inquiries so any loan we match you to meets your needs and can be repaid without substantial hardship. For independent, government-backed guidance on borrowing, Sorted is a good place to start.
Rated 5.0 out of 5 on Trustpilot and Google. This is why Kiwi borrowers choose NeedCashToday.
Reviews collected under Lending Room, the team behind NeedCashToday.
The common questions about who we are and how we work.
Get Started in 5 MinutesStill not sure? Talk to our team
No. NeedCashToday is a loan matching service operated by Lending Room Limited (FSP486566), an FSPR-registered NZ operator. We assess your application and match you to a lender from our panel. We do not lend money ourselves.
NeedCashToday is operated by Lending Room Limited, an FSPR-registered New Zealand operator with FSP number FSP486566. Lending Room is bound by responsible lending under the CCCFA 2003 and supervised by the Commerce Commission.
A broker and introducer fee of up to $1,500 (GST inclusive) applies when your loan is successfully funded. It is disclosed in full before you commit and comes from the loan proceeds. Lender establishment fees of up to $450 may also apply. We only get paid when your loan goes ahead.
No. We run a soft credit check during our assessment, which does not appear on your credit file and has no impact on your score. Once we match you to a lender, some lenders accept our check while others run their own standard check. We always let you know before we submit anything.
Reviews are collected under Lending Room, the team that operates NeedCashToday. Lending Room is rated 5.0 on Trustpilot from over 1,080 reviews and 5.0 on Google from over 220 reviews.
Yes. Our panel includes specialist lenders who accept open and employer-specific work visas as well as resident visas. Work visa holders can generally apply with at least 13 months remaining on the visa and a regular NZ-based income. See our visa holder loans page for more.
One application, assessed and matched to the single most suitable lender from a panel of multiple vetted NZ lenders. One soft credit check, no impact on your score. Most applicants hear back the same business day.
NeedCashToday is a loan matching service operated by Lending Room Limited (FSP486566), an FSPR-registered NZ operator bound by responsible lending under the CCCFA 2003. We are not a lender.
