Apply for a loan NZ

Apply in 5 minutes and get approved the same day*

One application. One soft credit check. We match you to the most suitable lender from a panel of multiple vetted NZ lenders and take it from there, so you don't have to chase anyone.

Most applicants hear back the same business day.

One application. One soft check from us. Applying to lenders directly leaves a hard enquiry mark each time. We assess you with a soft check first, then send your application only to the lender most likely to get you the best deal.

  • Matched to the right lender, not blasted to all
  • Secured from 8.99% p.a., unsecured from 10.99% (AIR)
  • Borrow from $1,000 to $250,000
  • No obligation. No score impact from our check.
  • Same-day funding for approvals before 12pm
  • Rated 5.0 on Trustpilot and Google by 1,300+ Kiwis
Bound by responsible lending under the CCCFA 2003
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Reviews collected under Lending Room, the team behind NeedCashToday.

Start your application About 5 minutes · No score impact
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We run a soft credit check during our assessment. This does not affect your score. Once matched, some lenders accept our check while others may run their own.

Got questions? Call us on 09 928 6800

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*Approval and same-day funding are subject to lender credit criteria, application volume and bank processing times. Same-day funding applies to applications approved before 12pm on a business day with all information supplied.

By submitting this form you agree to our Terms and Conditions and Privacy Policy. NeedCashToday is a brand of Lending Room Limited, a registered financial services provider (FSP486566). We are a loan matching service and do not lend directly. Rates 8.99% to 29.95% p.a. (AIR). Establishment fee up to $450 and broker and introducer fee up to $1,500 (GST inclusive) may apply.