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# Need Cash Today: Need Cash Today is a New Zealand personal loan broker operated by Lending Room Limited (FSP486566). Need Cash Today reviews each applicant's financial situation and matches them to the lender on its panel most likely to approve the loan or offer a better rate. One application reaches multiple lenders through a single soft credit check that does not affect the applicant's credit score. Need Cash Today arranges personal loans, car loans, secured loans, travel loans and medical and dental loans for New Zealanders.

## Sitemaps
[XML Sitemap](https://www.needcashtoday.co.nz/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [How To Use Digital Product Design To Optimize](https://www.needcashtoday.co.nz/how-to-use-digital-product-design-to-optimize/): In the dynamic landscape of business, a robust marketing plan serves as the compass guiding companies toward success. Whether you're a startup or an established enterprise, crafting an outstanding marketing plan is essential for reaching your target audience, driving sales, and achieving sustainable growth. Here are five fundamental steps to help you create a marketing plan that stands out:
- [Digital Marketing For Online Business.](https://www.needcashtoday.co.nz/digital-marketing-for-online-business/): In the dynamic landscape of business, a robust marketing plan serves as the compass guiding companies toward success. Whether you're a startup or an established enterprise, crafting an outstanding marketing plan is essential for reaching your target audience, driving sales, and achieving sustainable growth. Here are five fundamental steps to help you create a marketing plan that stands out:
- [5 Steps to Create an Outstanding Marketing Plan](https://www.needcashtoday.co.nz/hello-world-2/): In the dynamic landscape of business, a robust marketing plan serves as the compass guiding companies toward success. Whether you're a startup or an established enterprise, crafting an outstanding marketing plan is essential for reaching your target audience, driving sales, and achieving sustainable growth. Here are five fundamental steps to help you create a marketing plan that stands out:

## Pages
- [How it Works](https://www.needcashtoday.co.nz/how-it-works/): How It Works
- [Business Loans](https://www.needcashtoday.co.nz/business-loans-nz/): Reviews collected under Lending Room, the team behind NeedCashToday
- [Travel Loans](https://www.needcashtoday.co.nz/travel-loans-nz/): Reviews collected under Lending Room, the team behind NeedCashToday
- [Medical & Dental Loans](https://www.needcashtoday.co.nz/medical-dental-loans-nz/): Reviews collected under Lending Room, the team behind NeedCashToday
- [Boat & Jetski Loans](https://www.needcashtoday.co.nz/boat-and-jetski-loans-nz/): Reviews collected under Lending Room, the team behind NeedCashToday
- [Home Renovation](https://www.needcashtoday.co.nz/home-renovation-loans-nz/): Reviews collected under Lending Room, the team behind NeedCashToday
- [Apply Now (Use)](https://www.needcashtoday.co.nz/apply/): Apply for a loan NZ
- [Contact](https://www.needcashtoday.co.nz/contact/): Get in touch
- [About](https://www.needcashtoday.co.nz/about/): Reviews collected under Lending Room, the team behind NeedCashToday.
- [Visa Holder Loans](https://www.needcashtoday.co.nz/visa-holder-loans-nz/): Reviews collected under Lending Room, the team behind NeedCashToday
- [Secured Loans](https://www.needcashtoday.co.nz/secured-loans-nz/): Reviews collected under Lending Room, the team behind NeedCashToday
- [Debt Consolidation](https://www.needcashtoday.co.nz/debt-consolidation-nz/): Reviews collected under Lending Room, the team behind NeedCashToday
- [Car Loans](https://www.needcashtoday.co.nz/car-loans-nz/): Reviews collected under Lending Room, the team behind NeedCashToday
- [Personal Loans](https://www.needcashtoday.co.nz/personal-loans-nz-2/): Personal loans NZ
- [Home](https://www.needcashtoday.co.nz/): Reviews collected under Lending Room, the team behind NeedCashToday

# NeedCashToday

> NeedCashToday is a New Zealand loan matching service powered by Lending Room (FSP486566), an FSPR-registered NZ finance broker. We are not a lender. We assess each application and match employed New Zealanders with a good credit history to the single most suitable lender from a panel of multiple vetted NZ lenders. One application, one soft credit check with no impact on your credit score. NeedCashToday and Zooma are the same business, both brands of Lending Room Limited.

## About

- NeedCashToday is a loan matching service (broker), not a direct lender.
- Operated by Lending Room Limited, an independent FSPR-registered NZ finance broker, FSP number FSP486566, bound by responsible lending under the Credit Contracts and Consumer Finance Act 2003 (CCCFA).
- We assess your application and match you to the most suitable lender from a panel of multiple vetted NZ lenders, including non-bank lenders and specialist finance providers, some of which consumers cannot access directly.
- One application reaches multiple lenders. We run a single soft credit check during assessment, which does not affect your credit score. Applying directly to several lenders yourself can mean a hard credit check each time.
- Rated 5.0 on Trustpilot (1,080+ reviews) and 5.0 on Google (220+ reviews), collected under Lending Room.

## Key facts

- Loan amount: $1,000 to $250,000.
- Loan term: 6 to 84 months.
- Interest rates: from 8.99% p.a. (AIR) up to 29.95% p.a. (AIR). Secured loans from 8.99% p.a., unsecured loans from 10.99% p.a. Your rate depends on your credit profile, loan amount, term and security.
- Credit check: soft credit check during assessment, no impact on your credit score. Once matched, some lenders accept our check while others may run their own.
- Fees: broker and introducer fee up to $1,500 (GST inclusive) on successful funding. Lender establishment fees up to $450 may also apply. All fees disclosed before you commit. No upfront fees to apply.
- Turnaround: same-day assessment on business days. Same-day funding is possible when approved and all information, including bank statements, is in before 12pm on a business day.
- Application time: about 5 minutes online.

## Who we help

- Employed New Zealanders (full-time, part-time or self-employed) with a regular, verifiable income.
- NZ citizens and permanent residents, plus open and employer-specific work visa holders with at least 13 months remaining and NZ-based income.
- Borrowers with a clean or near-clean credit history.
- Who we cannot help: we do not accept applications from people on a benefit or WINZ support, in financial hardship, or seeking a payday loan.

## What to have ready

- NZ driver licence or passport.
- 3 months of bank statements.
- Proof of income (payslips or bank deposits).
- Details of any existing loans or debts.

## Loan types

- [Personal Loans NZ](https://needcashtoday.co.nz/personal-loans-nz/): Almost any purpose, secured or unsecured, matched to the right lender.
- [Car Loans NZ](https://needcashtoday.co.nz/car-loans-nz/): New or used vehicles, dealer or private sale.
- [Debt Consolidation NZ](https://needcashtoday.co.nz/debt-consolidation-nz/): Roll multiple debts into one fixed-rate loan with a single repayment.
- [Home Renovation Loans NZ](https://needcashtoday.co.nz/home-renovation-loans-nz/): Finance a renovation without touching your mortgage.
- [Boat and Jetski Loans NZ](https://needcashtoday.co.nz/boat-and-jetski-loans-nz/): New or used boats, jetskis, trailers and motors.
- [Medical and Dental Loans NZ](https://needcashtoday.co.nz/medical-dental-loans-nz/): Elective surgery, dental work, orthodontics, fertility treatment and urgent medical costs.
- [Travel Loans NZ](https://needcashtoday.co.nz/travel-loans-nz/): Holidays, honeymoons and family trips on a fixed-rate loan.
- [Visa Holder Loans NZ](https://needcashtoday.co.nz/visa-holder-loans-nz/): Work visa holders with at least 13 months remaining and NZ-based income.
- [Secured Loans NZ](https://needcashtoday.co.nz/secured-loans-nz/): Use an asset as security for a larger amount or better rate.
- [Business Loans NZ](https://needcashtoday.co.nz/business-loans-nz/): Working capital, equipment finance or growth funding.

## How it works

- Step 1: Tell us what you need. Complete the 5-minute online form with the loan amount, purpose and a few details about your situation. No paperwork, no branch visit.
- Step 2: We assess your situation. We run a soft credit check only, then review your application and identify the lenders on our panel most likely to approve you.
- Step 3: We match you to the right lender. We present your application to the single most suitable lender from our panel. One submission, no repeated applications, no risk of multiple credit enquiries.
- Step 4: Get funded. Once approved, funds can land the same day in many cases, and your broker keeps you informed throughout.

## Key pages

- [Apply](https://needcashtoday.co.nz/apply/): Start an application. About 5 minutes, soft credit check only.
- [Contact](https://needcashtoday.co.nz/contact/): Get in touch with the team.

## Contact

- Phone: 09 928 6800 (+64 9 928 6800).
- Email: info@needcashtoday.co.nz.
- Address: Level 8, 57 Fort Street, Auckland CBD 1010.
- Hours: Monday to Friday, 8:30am to 5pm.
- Languages spoken: English, Filipino, Hindi, Afrikaans.
- Reviews: [Trustpilot](https://nz.trustpilot.com/review/thelendingroom.co.nz), [Google](https://share.google/wirvhOWCxpTzZSSEx).
- Operator: Lending Room Limited, FSP486566, [lendingroom.co.nz](https://www.lendingroom.co.nz/).