Not suitable for an ongoing finance solution. Late repayment can cause money problems. For help on managing finances, visit

Personal Loans

For the best personal loans around you want Need Cash Today. We offer fast little loans online so that everyday Kiwis can make ends meet.

We have all been caught short at some point, you go to pay for something and see the dreaded word ‘declined’ on the screen. Thanks to Need Cash Today’s instant cash loans you can get borrow money in no time.

Need Cash Today specialise in fast little loans online, we have made it incredibly easy to apply and you can do the whole thing online. Just use the sliders on our home page to design your loan, work out how much you want, when you can pay it back and we will tell you how much you will have to pay all up.

Need Cash Today, payday loans that are quick, clear and fair the way they should be.

Getting ready...
Fast online application
Flexible repayment periods
Cash in 60mins

Get your cash in 3 easy steps


Fast application

Forget the paperwork and hassle, apply 100% online in under 5 minutes.


Flexible repayment periods

Work out a repayment schedule that fits your budget.


Cash in 60 mins

Upon approval, funds are transferred into your account within the hour.

Why choose a loan from us?

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.

The {{GetProductConfig().ProductName}} Term Loan that suits your needs

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.

  • Borrow from ${{GetProductConfig().MinimumLoanAmountNewCustom}} to ${{GetProductConfig().MaximumLoanAmountExistingCustom}}
  • Maximum annual percentage interest rate of {{ RoundAnnualInterestRate(GetProductConfig().AnnualInterestRate) }}%
  • Minimum loan term of {{ GetProductConfig().MinimumLoanNumberOfDays }} days
  • Maximum loan term of {{ GetProductConfig().MaximumLoanNumberOfDays }} days