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

How it works

Step 1: Design your loan

Choose how much you want and how long you want it for, and we’ll tell you how much you need to pay back.

Step 2: Loan application & processing

It takes five minutes to apply online. Once we’ve received this, we’ll run some checks on the information provided in order to approve your loan.

Step 3: Cash paid in 60 mins

Once your loan is approved, cash is immediately transferred to your account and usually available within 60 minutes.

Step 4: Repayments made easy

Your repayment schedule will show when and how much, and to make things even easier, we'll send you a link when your payment is due.

What you need to know

How our repayments work

We'll send you a link to follow when your payment is due. Depending on your loan product, pay cycle or other arrangements, you can either pay it back in one lump sum or multiple repayments.

How we determine your loan amount

We don’t want you to get trapped in a debt cycle, so the maximum amount we will lend will have repayments no more than 40% of your net pay and we only offer credit to people who meet our standard criteria.

Understanding your obligations

We pride ourselves on being a responsible lender and that means making sure that all our customers understand the costs and obligations of their loan. If you have any questions, talk with our online help team.

Our Criteria

To get a loan from Need Cash Today you must meet all of these criteria:
  • Over 18
  • New Zealand citizen or resident
  • Not be bankrupt
  • Be in ongoing employment (we can’t lend to beneficiaries)
  • Have an active bank account your pay goes into on regular paydays
  • Access to a computer with online connection
  • An active email account
  • Must own a cell phone
  • Complete online application
  • Pass our employer checks