Reviews collected under Lending Room, the team behind NeedCashToday
Do not let saving hold you back from the experiences that matter. Apply once with NeedCashToday and we match you to the right lender for your travel finance. Rates from 8.99% p.a. with no impact on your credit score.
Flights, accommodation, activities and everything in between. Finance the full trip, not just part of it.
International flights, accommodation, tours and travel insurance. Finance the full trip upfront and pay it off at a rate far cheaper than your credit card.
Finance your dream honeymoon without draining your wedding savings. Choose the destination you actually want and pay it off over time.
Reunions, overseas family visits or once-in-a-lifetime family holidays. Flights, accommodation and activities for the whole family covered in one loan.
Travelling to or hosting a destination wedding. Cover flights, accommodation, venue costs and everything needed to make the day happen.
Campervans, domestic flights and accommodation around New Zealand. Finance a full South Island drive, a campervan adventure or a Northland escape.
OE, gap year, Pacific Islands, Europe, or anything else. Apply and we will match you to the right lender for your trip.
Apply nowOne short form. We handle everything so you can focus on planning the trip, not chasing lenders.
Tell us where you are going, the estimated cost and a bit about your situation. You do not need to have your trip fully booked — applying first gives you an approved budget so you can book with confidence.
We run a single soft credit check with zero impact on your score. We then identify the lender on our panel most likely to approve you at a competitive rate — far cheaper than putting it all on a credit card at 20%+ p.a.
We come back with your approval. If it works for you, we guide you through to settlement. Funds go directly into your account — use them to book flights, accommodation or the full holiday package. No obligation at any stage.
Guide only. Actual rate depends on your credit profile and lender. Rates 8.99–29.95% p.a. (AIR). Broker fee up to $1,500 and lender establishment fees may apply.
Get My Real RateOne application. Competitive rates. No repeated credit checks. Same-day funding possible.
One soft credit check that does not affect your score. Apply directly to multiple lenders and each runs a hard enquiry — we avoid that entirely so your credit stays protected.
Credit cards charge 19–28% p.a. on outstanding balances. BNPL travel finance often carries hidden fees. A personal loan from 8.99% p.a. is typically the most cost-effective option.
Terms from 6 to 84 months so you can choose repayments that fit your budget without stretching yourself too thin. Fixed rate, fixed repayments, clear end date.
You do not need to have your trip booked to apply. Get approved first, know your budget, then book with confidence — no scrambling for finance at the last minute.
Most applicants hear back the same day. Once approved and documents are signed, funds land in your account fast — so you can book before availability disappears.
See your rate and approval before committing. The broker fee of up to $1,500 only applies on successful funding and is always disclosed upfront. No pressure.
Most employed New Zealanders with a stable income and good credit record can apply. Domestic or international travel both accepted.
Full-time, part-time or self-employed with regular, verifiable NZ income. Lenders need confidence that repayments fit comfortably within your budget.
NZ citizens and permanent residents are welcome. Open and employer-specific work visas with at least 13 months remaining are also accepted in many cases.
We assess your full financial situation before approaching any lender. Not sure where you stand — just apply and we will give you an honest assessment.
Domestic or international. You do not need to have your trip booked to apply. Loan amounts from $3,000 to $250,000 across terms of 6 to 84 months.
Takes about 5 minutes. No credit score impact and no obligation to proceed. Get approved first, then book with confidence.
Get Started — 5 MinutesRated 5 out of 5 on Trustpilot
Everything you need to know before you apply for travel finance through NeedCashToday.
Still not sure? Talk to our team
Yes. A personal loan is one of the most common ways to fund travel in New Zealand. Rates from 8.99% p.a. through NeedCashToday are often significantly cheaper than a credit card at 19–28% p.a. or BNPL travel finance products that carry high fees.
Loan amounts range from $3,000 to $250,000 depending on your situation and lender criteria. Terms from 6 to 84 months. Most holiday loans fall in the $5,000 to $20,000 range, though we regularly help with larger amounts for international trips and honeymoons.
Yes. You can apply before booking. Getting approved first gives you a clear budget and lets you book with confidence — no scrambling for finance at the last minute when prices may have changed or availability is limited.
Yes, in most cases. Credit cards typically charge 19–28% p.a. on outstanding balances. A $10,000 holiday loan at 8.99% p.a. repaid over 2 years costs around $940 in interest. The same amount on a credit card at 22% p.a. taking 3 years to repay would cost over $3,500 in interest.
No. We run a soft credit check only during our assessment. This does not appear on your credit file and has no impact on your score. Once matched to a lender, some accept our check while others may run their own — we will always tell you before anything happens.
A broker and introducer fee of up to $1,500 applies when your loan is successfully funded. It is added to your loan, is GST inclusive, and is always disclosed before you commit. Lender establishment fees may also apply. There are no upfront fees to apply.
Borrowing for travel is a personal decision that depends on the trip, the rate and your financial position. Used wisely, a travel loan lets you take the trip now and repay at a manageable rate — often significantly cheaper than putting it on a credit card. The key is the interest rate. At 8.99% p.a. over 2 years, a $5,000 travel loan costs around $230 in interest. The same amount on a credit card at 22% p.a. paid off over the same period would cost over $1,100.
Planning the right loan amount starts with understanding typical travel costs for New Zealanders.
Australia (2 weeks, couple)
$5,000 – $12,000
Return flights $600–$1,200 plus accommodation $150–$300 per night
Europe or UK (3–4 weeks)
$8,000 – $20,000
Per person including flights $1,800–$3,500 and accommodation
Pacific Islands (1–2 weeks)
$4,000 – $10,000
Fiji, Samoa or Rarotonga for two including resort accommodation
NZ road trip or campervan
$2,500 – $5,500
Campervan hire plus fuel, accommodation and activities for two
There are several ways to fund travel in New Zealand. For trips over $3,000 you cannot repay within a month, here is how they compare.
We are a broker, not a lender. One application, one soft credit check, and we present you with the best lender match from our panel of 20+ NZ lenders. No obligation, no repeated applications, no wasted time. Talk to our team if you have questions before you apply.
One application. Competitive travel finance rates from 8.99% p.a. No credit score impact. Apply before you book.
Soft credit check only. Broker fee of up to $1,500 applies on successful funding. NeedCashToday is powered by Lending Room, FSPR registered. Rates 8.99–29.95% p.a. (AIR). Full T&Cs apply.
