This disclosure statement is provided by Lending Room Limited, operating as NeedCashToday, so you understand who we are, how our service works and how we are paid before you apply.
Last updated August 2026
This statement helps you understand who we are and how we work before you apply. NeedCashToday is a loan matching service operated by Lending Room Limited, an independent New Zealand finance broker registered on the Financial Service Providers Register (FSP486566). We are not a lender. Please read this statement together with our Terms and Conditions and Privacy Policy.
NeedCashToday is a trading name of Lending Room Limited. We are a finance broker and loan matching service based in New Zealand. We act as an intermediary between you and third-party lenders. We do not lend money ourselves. Our role is to assess your situation and match you to the lender on our panel most likely to approve your application on suitable terms.
Lending Room Limited is registered on the New Zealand Financial Service Providers Register under FSP486566. Registration means we are entered on a public register of financial service providers. It does not mean we are endorsed or guaranteed by any government agency. You can search the register at fsp-register.companiesoffice.govt.nz.
When you submit an application, we review the information you provide, carry out a soft credit check and assess your situation against the criteria of the lenders on our panel. We then submit your application to the lender we consider the best fit. We do not apply to every lender on your behalf. We make a considered match based on your circumstances.
The decision to approve or decline any loan, and the final rate, term and conditions of that loan, rests entirely with the lender. If a lender approves your application, you enter into a loan agreement directly with that lender, governed by the lender's own terms.
We work with a panel of vetted New Zealand non-bank lenders and specialist finance providers. Our current panel is:
Our panel may change from time to time as we add or remove lenders. This list reflects our panel as at the date shown at the top of this page.
If your loan is successfully funded, a broker and introducer fee of up to $1,500 (GST inclusive) may apply. Lender establishment fees of up to $450 may also apply, depending on the lender. Every fee that applies to your loan is disclosed to you clearly before you commit, and you are under no obligation to proceed.
We may receive a commission from the lender when a loan we introduce is settled. This is in addition to, or instead of, any broker fee you pay, depending on the arrangement. Any commission we receive does not change the rate or terms you are offered by the lender. We will disclose the nature of any commission or other benefit to you before you commit, in accordance with our obligations as a registered financial service provider.
Because we may receive a commission from lenders, a potential conflict of interest can arise between our interests and yours. We manage this by matching you to the lender most likely to approve your application on suitable terms based on your circumstances, not based on which lender pays us the most. We keep our commission arrangements under review and disclose them to you so you can make an informed decision.
We act honestly and fairly, treat your information with care and give you clear information about our service, the fees that apply and how we are paid. We aim to match you to a lender that suits your circumstances and to make the process as simple and transparent as we can.
Lending Room Limited has not been subject to any reliability event, such as a legal proceeding, disciplinary action or bankruptcy, that would materially affect our ability to provide our service or that a reasonable person would expect to be disclosed here.
If you are unhappy with our service, we want to hear from you so we can put it right. You can contact us at hello@maranello.nz or on 09 928 6800 and we will work with you to resolve your complaint.
If we cannot resolve your complaint, you can refer it to our external dispute resolution scheme at no cost to you. This is an independent service that can help resolve disputes between you and us. Details of the approved scheme we belong to are available on request.
We collect and handle your personal information in accordance with the Privacy Act 2020 and our Privacy Policy. Please read it alongside this statement.
If you have any questions about this statement, you can reach us at:
