Fast application
Forget the paperwork and hassle, apply 100% online in under 5 minutes.
Not suitable for an ongoing finance solution. Late repayment can cause money problems. For help on managing finances, visit sorted.org.nz.
The benefits of quick cash loans are more obvious – they’re great for people who are employed but just need a quick cash injection for an unexpected expense. Very often people with poor credit histories use quick loans as they may not be able to get credit from their own bank. The lender is prepared to take the risk of someone with a less-than-unblemished credit history because they apply a higher-than-usual interest rate – that’s the deal. Here are some of the other benefits of a quick loan.
If you use an online credit provider like Need Cash Today you could have your money in under an hour. The application is very easy on your side, with the creditor performing all the background checks and if you can use a digital signature or your bank accepts Faster Payments you could be up-and-running in minutes.
If you can’t ask friends or family for help, or you want discretion, then a quick loan is ideal, especially if you need it for a one-off short-term emergency like a broken tooth or unexpected repairs to a vital household appliance. You know you can afford to pay the amount back in a month or two, but you really need the help now. Remember those loan interest rates, though! It’s not a long-term solution.
It doesn’t cost anything to apply, but you may have to pay an establishment fee and maybe a surcharge if your credit history isn’t great (not awful, but not great either). If you don’t mind paying a little over the odds to get a new washing machine, then you’re good to go.
If you take out a small loan and you pay it off promptly, then you’ll get a big tick from the credit agencies and this can be a good way to repair a patchy credit history as well as your painful tooth!
They should only be used in unusual time-limited circumstances – a car or appliance breakdown loans, a medical loan or dental expense loans or a problem with late wages that’s resolvable are all good examples. If you’re thinking about a quick loan just to meet your living expenses then you need help from a money advice service.
REALLY QUICK AND EASY
It happens as quickly as they say - 1hr and plenty of communication ensure I know what's happening. Polite and friendly staff.
Clare Wade
VERY IMPRESSED
Urgently needed cash on the day. Couldn't get a loan anywhere else because of credit rating. Applied and got the money the same day!
Trusted Customer
ALWAYS 100% HAPPY
Always had a great experience, from returning for loans to them being very flexible with my repayments.
Ngareta Taviliniu
INCREDIBLY EFFICIENT
My go to in times of need and emergencies! Thank you to the team for providing this service and for having the initiative to make it work for my applications.
Trusted Customer
AWESOME
They made this experience easy. The speed in which the money was accessible was crazy fast.
Lisa Taylor
GREAT SERVICE
Automatic responses worked really well.
Irene Jeffries
Forget the paperwork and hassle, apply 100% online in under 5 minutes.
Work out a repayment schedule that fits your budget.
Upon approval, funds are transferred into your account within the hour.
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.
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.