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

What you see is what you get

We’ve made our loans clear and fair. At Need Cash Today there are no hidden costs, small print and or surprises.

We pride ourselves on being a responsible lender. A big part of that is ensuring that all of our customers understand the fees and charges associated with their loan. If there is something you don’t understand, just ask our team or check our Q&A.

Late or non-payment of your loan

It’s important that you talk with us as soon as possible about any repayment problems you might have as the earlier you talk to us the more we can do to help out. If you have experienced some form of hardship (such as sickness, redundancy, family bereavement) between taking your loan and your payment we will look to put a new schedule together without adding additional fees. Customers may be asked to prove this hardship.

Potential impact to your credit score

When/where any credit scoring is used for a repaid loan in NZ it will usually positively influence your credit score but if you fail to repay your loan it will negatively affect your credit rating and could result in possible legal action, both of which mean you will struggle to get credit in the future. It really is not worth damaging your credit rating for a small loan so think carefully before you apply and if you do not think that you will be able to repay it on time then act responsibility and don’t apply.

Got doubts about your ability to make repayments?

While we take responsible lending seriously and only give credit to people who can comfortably pay it back, at the end of the day it’s up to you to ensure that you pay it back on time. If you have any doubts about about taking a Need Cash Today loan it’s probably best not to apply.

The Annual Interest Rate (AIR)

175.20000% Mid NCT Term

292.00000% Short NCT Term

We want you to understand everything about your loan and this is one of the most common means of comparing different loans. But when you see our annual interest rate (AIR) you might have a slight freak out. The problem is that while the AIR is a standard method of comparing various loans, it was not designed with short term loans in mind. Our loans are for a maximum of 304 days and this short duration distorts the AIR in the same way a magnifying glass does.


Interest Rates


Interest is charged at 0.48000% per day on the unpaid principle balance at the end of the day. 175.20000% Annualised Interest Rate (AIR)

Short NCT

Interest is charged at 0.80000% per day on the unpaid principle balance at the end of the day. 292.00000% Annualised Interest Rate (AIR)

Standard Fees

Establishment Fee: $0.00

Defaulted Fee: $20.08

Debit Card Payment Fee: $0.00

Online Payment Fee: $0.00

Manual Payment Fee: $0.00

Wage Deduction Authority Fee: $29.78

External Debt Collection and/or Legal Costs: As Incurred