Need Cash Today

image of Need Cash Today
image of Need Cash Today

About – Need Cash Today

Need Cash Today is a reputable lender based in New Zealand.

We offer short term loans to New Zealand citizens and residents with the use of our state of the art online loan application system. We have constructed our lending system from the ground up in order to ensure that our customers get the best possible service in terms of lending and we specialise in short term payday loans. At Need Cash Today we do only one thing and we do it well.

Create your own loan

When you visit our website, you can make use of our online sliders in order to design your loan. With the use of our sliders, you can tell us how much money you want to borrow and when you want to repay your debt.

We keep it simple

We will then use that information in order to tell you how much it will cost when you have to repay your unsecured loan with the additional fees and interest rates added. The slider is simple to use and you can effortlessly see how much you owe and when exactly you will need to repay it. 

Services – Need Cash Today

Short term loans, which includes loans like payday loans, instant loans, unsecured blacklisted loans, and quick cash loans, is what we pride ourselves on.

Our quality loans are known all over the country and for many New Zealanders, we are their go-to solution for financial assistance.

Borrow up to $5,000

On offer, are blacklisted loans of $100 - $5,000. You can borrow this money over a period that suits you as long as it falls in our repayment range, which is two days to 170 days.

The entire loan application can be completed online, on our website, in only five minutes. Once your loan application has been approved the money will be deposited into your account within 60 minutes, guaranteed.

Completely transparent loans

Need Cash Today is serious about one standard and that is that we are completely upfront regarding our fees. Depending on some factors, we charge between 0.14% and 1.50% per day on the total unpaid balance plus an affordable loan application fee and a fee direct debit. 


Summary of Services

  • BAD Credit Loans
  • INSTANT Cash Loans
  • PAYDAY Loans
  • PERSONAL Loans
  • SHORT-TERM Loans
  • UNSECURED Blacklisted Loans


Get an unsecured loan from Needy Cash, they are quick and flexible

You will find unsecured loans for blacklisted clients at surprisingly affordable rates – especially in comparison to some of their competing New Zealand lenders.

So, if you have a bad credit score or you are blacklisted and you are hoping to find a loan that will accommodate you in your unique situation despite your credit record, then Need Cash today is your answer.

Apply online in 5 minutes

You can apply for a loan using the online loan calculator that can be found on their website. When you see it, you will notice its simplicity.

Select a loan term

  • Short – 2 to 30 days
  • Mid – 63 to 114 days
  • Long – 93 to 170 days

Select the amount you wish to borrow

  • Short - $100 to $1,000
  • Mid - $1,000 to $2,000
  • Long - $2,000to $5,000
  1. Select how often you are paid – weekly, fortnightly, or monthly
  2. Select the duration of the loan.
  3. State when you will receive your next paycheck
  4. Click ‘apply now’

You will need to enter your personal details and submit your online loan application, but once the application has been submitted and you are approved, you will receive your money within 60 minutes. 

 Contact Details

134 Victoria St, Christchurch, Christchurch Region, 8013, New Zealand
Ph: +64 800 003 011
Fx: +64 3 9281 921
Em: [email protected]

 Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed