Fast application
Forget the paperwork and hassle, apply 100% online in under 5 minutes.
Not suitable for an ongoing finance solution. Late repayment can cause money problems. For help on managing finances, visit sorted.org.nz.
At Need Cash Today even if you have got bad credit you can still get a payday loan from us. As long as you meet all of our criteria and we believe that you will be able to make the payments, we will give you a loan.
We do fast little loans online because we believe that getting a payday loan should be quick and easy. If you have bad credit then apply for a Need Cash Today cash loan today and get the money you need now.
We pride ourselves on being a responsible lender and if we do not think you will be able to easily make the repayments we will decline, but if you are in full time employment and meet all our other criteria, chances are you will get the loan, even with a bad credit history.
You can get bad credit loans from Need Cash Today because we believe in second chances and we know that people need instant cash.
REALLY QUICK AND EASY
It happens as quickly as they say - 1hr and plenty of communication ensure I know what's happening. Polite and friendly staff.
Clare Wade
VERY IMPRESSED
Urgently needed cash on the day. Couldn't get a loan anywhere else because of credit rating. Applied and got the money the same day!
Trusted Customer
ALWAYS 100% HAPPY
Always had a great experience, from returning for loans to them being very flexible with my repayments.
Ngareta Taviliniu
INCREDIBLY EFFICIENT
My go to in times of need and emergencies! Thank you to the team for providing this service and for having the initiative to make it work for my applications.
Trusted Customer
AWESOME
They made this experience easy. The speed in which the money was accessible was crazy fast.
Lisa Taylor
GREAT SERVICE
Automatic responses worked really well.
Irene Jeffries
Forget the paperwork and hassle, apply 100% online in under 5 minutes.
Work out a repayment schedule that fits your budget.
Upon approval, funds are transferred into your account within the hour.
Loan Amount
$1025
Approximate Repayment Amount
$86.84 per week
Number of Repayments
26
Interest and Fees
$1232.84
Total Repayment
$2257.84
* Warning: This repayment estimate is true only for the example provided. Different Terms, fees or loan amounts will create different results. There are no penalties for early repayments.
We've made borrowing simple. And surprisingly fast.
As a responsible lender, we help thousands of Kiwis out with loans up to $5,000 with affordable repayment periods that fit the budget. The entire application can be completed online in as little as 5 minutes. Once the loan has been approved, money will be in your account seriously fast.
Whether it's covering a few everyday expenses until your next payday, or something a bit bigger for a bit longer, we've got you covered.