Reviews collected under Lending Room, the team behind NeedCashToday
Do not wait years to save for the renovation you want. We match you to lenders who specialise in home improvement finance. Rates from 8.99% p.a. with no impact on your credit score.
One short form, one soft credit check, and we match you to the renovation lender best placed to fund your project at a rate that works.
Share the loan amount you need, what the project involves, and a few details about your situation. One form, done once — no paperwork upfront, no branch visit required.
We run a soft credit check — zero impact on your score — and match you to the lender on our panel most suited to your project size, security preference and financial profile.
Once approved and signed, funds can land same day with many lenders. No obligation at any stage — and the broker fee is always disclosed before you commit to anything.
Guide only. Actual rate depends on your credit profile and lender. Rates 8.99–29.95% p.a. (AIR). Broker fee up to $1,500 and lender fees may apply.
Get My Real RateWe are not a lender — we work for you. One application, 20+ lenders assessed, no repeated credit checks.
We use one soft check that leaves no mark on your file — unlike applying directly with multiple lenders where each application causes a hard enquiry.
Whether you want to use your home as collateral for a lower rate or keep the loan unsecured, we have lenders on our panel for both.
We compare across our full panel to find the lender most likely to approve your renovation loan at the best available rate for your situation.
Get matched quickly so you can lock in your contractors and start your renovation sooner. Fast turnaround on most applications.
Avoid refinancing your home loan entirely. A renovation loan is faster to access, has no property valuation requirement, and keeps your mortgage intact.
A broker fee of up to $1,500 applies on successful funding — always disclosed before you commit to anything. No surprises, no obligation.
We work with employed New Zealanders who have stable income and a project ready to go — homeowners and renters alike.
Full-time, part-time or self-employed with a regular, verifiable NZ income. Lenders need confidence that repayments are comfortably within your means.
You do not need to own your home. Unsecured renovation loans are available to renters and homeowners. Secured options are available if you prefer a lower rate.
NZ citizens and permanent residents are welcome. Open and employer-specific work visas with at least 13 months remaining are also accepted in many cases.
Whether it is a small bathroom refresh or a full extension, we match you to lenders across the full borrowing range with terms from 6 to 84 months.
Apply in 5 minutes. No credit score impact at this stage. We assess your situation, match you to the right lender and come back with a real rate. No obligation to proceed.
Get Started — 5 MinutesRated 5 out of 5 on Trustpilot
Everything you need to know about financing your renovation through NeedCashToday.
Still not sure? Talk to our team
No. Unsecured personal loans for home renovation are available to both homeowners and renters. You do not need to use your property as security. Secured options are available if you prefer a lower rate and are willing to use an asset as collateral.
Yes, and in many cases it is faster. A mortgage top-up involves a full property valuation and can take weeks. A personal renovation loan through NeedCashToday can be approved and funded within days in many cases, without touching your existing home loan structure.
Lenders generally accept any legal home improvement purpose including kitchen and bathroom renovations, extensions, new roofing, insulation, heat pumps, decking, landscaping and energy efficiency upgrades. Apply and we will advise if your specific project qualifies.
No. We run a soft credit check only during our assessment. This does not appear on your credit file and has no impact on your score. Once we match you to a lender, some accept our check while others may run their own standard enquiry — we will always tell you before anything happens.
You can borrow from $3,000 up to $250,000 for home renovation purposes through NeedCashToday. Terms range from 6 to 84 months. The amount approved depends on your income, credit history, existing debts and the lender criteria.
A broker and introducer fee of up to $1,500 applies when your loan is successfully funded. This is clearly disclosed before you commit and there is no obligation to proceed at any stage. Lender establishment fees may also apply depending on your matched lender.
Many lenders on our panel can provide same-day funding once your application is approved and documents are signed. Speed depends on the lender, loan size and how quickly you provide supporting documents. Most applicants hear back the same day they apply.
A home renovation loan is a personal loan used specifically to fund improvements to a residential property. Unlike a construction loan or mortgage top-up, most renovation loans are unsecured — meaning you do not need to use your home as collateral. This makes them faster to access and available to renters and homeowners alike. Secured options are available through some lenders if you prefer a lower interest rate.
A mortgage top-up involves refinancing your home loan to release equity. It typically requires a full property valuation, new mortgage documentation and bank approval — a process that can take several weeks. A renovation loan through NeedCashToday can be approved and funded within days, keeps your existing mortgage structure intact, and does not require a property valuation.
For most renovation projects under $100,000, a personal renovation loan is often the faster and more practical option. For larger projects, a secured loan using your property as collateral may offer a lower rate — we have lenders for both.
Kitchen and bathroom renovations consistently provide the strongest return on investment in New Zealand. Extensions that add bedroom count, heat pump installation, insulation upgrades and new decking also perform well. Energy efficiency improvements — double glazing, underfloor insulation and solar — are increasingly valued by buyers and renters alike.
Cosmetic work such as fresh paint, new flooring and updated fixtures typically costs less and still delivers strong value, particularly in preparation for sale or rental.
We are a broker, not a lender. That means we work for you — reviewing your project, assessing your financial profile, and matching you to the lender on our panel of 20+ NZ lenders who is most likely to approve your application at a competitive rate. One soft credit check, no repeated applications, no wasted time. Talk to our team if you have questions before applying.
Apply in 5 minutes. No credit score impact. We review your project and match you to the lender most likely to fund it at a competitive rate.
Soft credit check only. Broker fee of up to $1,500 applies on successful funding. NeedCashToday is powered by Lending Room, FSPR registered. Rates 8.99–29.95% p.a. (AIR). Full T&Cs apply.
