Reviews collected under Lending Room, the team behind NeedCashToday
One form. No repeated credit checks. Tell us what you need and NeedCashToday matches you to the lender most likely to approve your personal loan — at a competitive rate, with no back-and-forth.
We do the legwork so you don't have to. One application, one soft credit check, and we find the lender most likely to say yes.
Fill in our short online form — it takes about 5 minutes. Tell us the loan amount, purpose and a bit about your financial situation. We run a soft credit check that has no impact on your score.
Our team reviews your application and matches you to the lender on our panel most likely to approve you at a competitive rate. No shotgun applications. No repeated checks.
Once approved, review your loan offer and sign your documents. Many lenders on our panel can fund the same day. You're never under any obligation to proceed.
Indicative only. Actual repayments vary based on your approved rate, lender fees and loan structure. Broker fee of up to $1,500 applies on successful funding.
Get my real rateWhatever you need the money for, we match you to a lender who can help. Here are some of the most common uses.
Kitchens, bathrooms, extensions or a full renovation — a personal loan lets you get started without waiting.
New or used, a personal loan can cover the cost of your next vehicle when a car loan isn't the right fit.
Roll multiple debts into one manageable repayment at a lower rate and get back in control of your finances.
Cover the cost of surgery, dental work or medical procedures without waiting and without draining your savings.
Whether it's a family holiday or a once-in-a-lifetime trip, a travel loan lets you book now and repay over time.
Wedding, education, moving costs, emergency expenses — if you need it, we can help you find a lender for it.
We work with employed New Zealanders who have a stable income and a clean or near-clean credit record. Here is what we look for.
Full-time, part-time or self-employed with a regular, verifiable income. Stable income history is the most important factor lenders look for.
NZ citizens and permanent residents are welcome. Open and employer-specific work visas with at least 13 months remaining are also accepted.
We work with borrowers who have a good credit record. Not sure where you stand? Apply and we'll assess your situation before approaching any lender.
We match personal loans across terms of 6 to 84 months. The right lender depends on loan size, purpose and your overall financial picture.
Our application takes about 5 minutes. We assess your situation and come back with a match. No credit score impact at this stage.
Get Started — 5 Minutes
We match car loans too. One form covers it all — tell us what you need and we'll find the right lender for your vehicle finance as well.
Soft credit check only. Broker fee of up to $1,500 applies on successful funding. Car loan cashback T&Cs apply.
Rated 5 out of 5 on Trustpilot
Everything you need to know about getting a personal loan through NeedCashToday.
Still not sure? Talk to our team
NeedCashToday is powered by Lending Room, an FSPR registered loan broker. Rather than lending money ourselves, we match you to the right lender from our panel of vetted NZ lenders. You fill in one form, we assess your situation and run a soft credit check, then we connect you with the lender most likely to approve your personal loan at a competitive rate.
No. We use a soft credit check during our assessment which does not appear on your credit file and has no impact on your score. Once matched, some lenders accept our check while others may run their own enquiry. We will let you know before anything happens.
Personal loans through NeedCashToday range from $1,000 to $250,000, with terms from 6 to 84 months. The amount you are approved for depends on your income, credit history, existing debts and the lender's criteria.
Rates on our panel start from 8.99% p.a. (AIR) and go up to 29.95% p.a. depending on your credit profile, loan amount, term and the specific lender. We work to find you the most competitive rate available for your situation.
Most applicants hear back the same day. Same-day funding is possible for applications approved before 3pm on a business day, though exact timing depends on the lender and how quickly you provide supporting documents.
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. Depending on the lender, an establishment fee may also apply. There are no upfront fees to apply.
Yes. We accept applications from open work visa and employer-specific work visa holders with at least 13 months remaining, provided they have a regular NZ-based income and a good credit history.
A decline from your bank does not mean you will not qualify elsewhere. We work with a range of lenders including specialist and non-bank lenders who may assess your personal loan application differently. It is worth applying to find out where you stand.
A personal loan is a fixed amount of money borrowed from a lender and repaid over an agreed term, typically between 6 months and 7 years. Unlike a mortgage or car loan, a personal loan is usually unsecured — meaning no asset is required as collateral — though secured options are available and often come with lower rates.
In New Zealand, personal loans can be used for almost any purpose: home renovations, medical costs, travel, debt consolidation, weddings, education or unexpected expenses. The loan amount, term and interest rate are agreed upfront, giving you predictable repayments throughout the life of the loan.
Personal loan interest rates in New Zealand are expressed as an Annual Interest Rate (AIR). Rates vary significantly depending on your credit history, income, loan amount and the lender. Through NeedCashToday, rates on our panel start from 8.99% p.a. (AIR) and go up to 29.95% p.a.
A lower rate means less total interest paid over the life of your loan, which is why being matched to the right lender — rather than just any lender — matters. Our job is to find you the most competitive rate available for your specific situation, not just whoever will approve you.
An unsecured personal loan does not require any collateral. This is the most common type and is suitable for most borrowing purposes. Because the lender takes on more risk, interest rates are typically slightly higher than secured loans.
A secured personal loan uses an asset — such as a vehicle or property — as security against the loan. This reduces the lender's risk and often results in lower interest rates and access to larger loan amounts. We can help you access both types depending on your situation and what the lenders on our panel can offer.
NeedCashToday is powered by Lending Room, a registered loan broker on the Financial Service Providers Register (FSPR) in New Zealand. A broker works on your behalf to match you to the most suitable lender from a panel of options — rather than you approaching each lender individually.
Using a broker means one application, one soft credit check, and access to multiple lenders at once. It also means you benefit from the broker's relationships and knowledge of which lenders are most likely to approve your application and at what rate. Our fee of up to $1,500 is only charged on successful funding — there are no upfront costs to apply.
Personal loans are best suited to larger, one-off expenses where you want a fixed repayment schedule and a clear end date. Credit cards are more flexible but carry higher rates and are better suited to smaller, ongoing expenses. Buy now pay later products are interest-free for short periods but can carry high fees and are limited to specific retailers.
If you are looking to consolidate existing debt, a personal loan is often the most structured and cost-effective option — especially if you can secure a rate lower than your current debts. Our team is happy to talk through which product is right for your situation.
Apply in 5 minutes. No credit score impact. We match you to the lender most likely to say yes — and you're never under any obligation to proceed.
Soft credit check only — no score impact. Broker fee of up to $1,500 applies on successful funding. NeedCashToday is powered by Lending Room, FSPR registered.
