Bad Credit Loans

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.

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Fast Little Loans Online
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100% online
60 minute payment guarantee
Automatic repayments
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No hidden fees
No small print
No surprises
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We've helped thousands of Kiwis with our fast online loans

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How online loans work

1
Design your online loan. You decide how much money you want and when you want to repay it.
2
Fast and simple online application. Just apply online - whether you're on the go, at work, or from the comfort of your home.
3
Get a decision. Once you've applied, we may contact you to verify the details you've provided in your application. Then you'll get a decision.
4
Once approved, your loan will get paid fast. Once approved, your money is transferred within 60 minutes.

FAQs

How do I apply for a Need Cash Today loan?
We have developed a state of the art system that means you can do everything to apply online. First you can use our online calculator to work out how much you want, how much it will cost in total and when you can pay it back, then it will take you about five minutes to fill in our online application form. Using our digital signature technology you can even sign the application without having to print or fax any documents. After you have applied we will request to see your last 6-8 weeks statements if this is your first loan, for most of you this again will be an online process that takes less than two minutes. Then all you have to do is inform your employer or payroll officer and we will do the rest. With Need Cash Today the application process is quick and clear.
Why would I need a Need Cash Today loan?
Need Cash Today loans are for people who are experiencing temporary cash flow problems between paydays. Life is full of unscheduled surprises and Need Cash Today loans are designed to help people pay for unexpected bills or cheap plane tickets when they need to rather than when they can.
Why do you contact my payroll?
Contacting your payroll officer or employer speeds up the process. We need to confirm and verify your details with them and if you have contacted them this will make the process quicker. We will not tell them how much you are borrowing or any other details.

Any delays in contacting your payroll officer or employer will slow down the loan process. We need to confirm these details and will never approve a loan application without contacting your payroll officer or employer.

We take fraud very seriously and these checks ensure that no one else is using your details to fraudulently obtain a loan.
How much can I borrow?
There are several factors that control how much you can borrow from us, we take our responsibility as an honest and fair lender seriously and want to ensure that you can easily pay your loan back on time. As a policy we only let you borrow an amount where repayments will be less than 30% of your net pay per period. If you are a new customer we limit your first loan to ${{Config.MaximumLoanAmountNewCustom}} and after that you could take up to a maximum of ${{Config.MaximumLoanAmountExistingCustom}}. Use our online calculator to work out how much you can borrow and how much it will cost all up. Need Cash Today makes it clear and fair.
How much will it cost?
With Need Cash Today there are no hidden costs, no small print and no nasty surprises. Using our online calculator you can work out how much you can borrow, the total cost of the loan and the repayment schedule. This means that before you apply you can see the total cost including our fees and the interest charged. For more information please look at our fees page.
What happens if I miss a payment?
If you do not think you will have enough money in your account for the direct debit then contact us on 0800 003 011 immediately to stop it. You need to contact us at least 24 hours before the due date. Any later and we will not be able to stop it and you will be charged for a failed payment.
What is Need Cash Today's criteria?

Our standard criteria are:

  1. You must be over 18.
  2. You must be a New Zealand citizen or resident.
  3. You must not be bankrupt.
  4. You need to be in ongoing employment, we don’t lend to self-employed or beneficiaries.
  5. You need an active bank account that your pay gets credited into on regular paydays.
  6. You need access to a computer as the application process is 100% online.
  7. You need an active email account.
  8. You must own a cell phone.
  9. You must complete the online application.
  10. You must pass our employer checks.

If you meet these then chances are you will be approved, though Need Cash Today reserves the right to decline an application for other reasons.

How do I repay my loan?
We have made repayment easy. The money will be taken out of your bank account by direct debt overnight the night before your dated instalment according to the repayment schedule you have chosen. You just need to make sure that the money is in there on the specified day/s and leave the rest up to us. Remember that if there is not enough money in your account you will incur default fees due to the cost of failed collection. For more information on dishonouring your loan please see our Fees page.
Does Need Cash Today do top ups?
Yes! Criterea apply. Please visit your account home page to see if your loan is eligible for a top up.
View all FAQs
Contact us 0800 003 011
Important borrower info
Apply now

Fast response and no delays in approval with instant cash in account.

Easy application process with speedy payment into my account. Direct debits set up for repayment meant I didn't need to worry.