Living costs differ from country to country and sometimes taking out a loan is unavoidable.
And besides most of us do have a home loan. With a home loan you should always make sure that you have a reasonable interest rate.
If you are living in New Zealand and you are in a situation where you need cash quickly, there are various places that can help you for example: Rapid Loans for personal loans. For emergency loans you can visit Quick Cash and get your loan instantly approved. 247MoneyBox will assist you with short-term loans.
However, it is still best if you can avoid getting loans.
If possible rather try and borrow money from friends and family. It is not ideal, but there is a good chance that they won’t charge you with interest.