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

Short Term Loans

Short term loans are a a great way of making ends meet between paydays. We have all been there before, something unexpected pops up and all of the sudden you are experiencing what the bank calls 'insufficient funds'. That is where Need Cash Today comes in, we are the payday loan experts, we lend between $500-5000 for between 92-304 days, letting you get on with life without worrying about money.

Getting a Need Cash Today payday advance is easy, just use the sliders below to design your loan, you tell us how much you want and when you can pay it back and we will tell you how much it will cost all up. The application process only takes five minutes max and then once we have approved your loan the money will be in your bank within an hour.

Need Cash Today, fast little loans online.

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.

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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.

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