Short Term Loans for Making Ends Meet... You know the check’s on the way, you just don’t know when, exactly

So get your money now...

“What a great service. Would highly recommend to my friends. The ease of use and quick speed definitelty got me out of a jam.”
- Janet, Auckland

Our Simple 3 Step Process to Getting a Cash Loan

You can get personal bad credit loans  through us in 3 simple steps

Step 1

Apply Online

First, you can use our quick calculator to select the loan amount and repayment term, then complete the online application form.

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Step 2

Approval and Receipt of Your Loan *

Your funds will be transferred directly into your bank account within 60 minutes after your application has been approved.

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Step 3

Repayment

We will automatically deduct repayments from your bank account depending on your loans agreed repayment schedule calculated during your application.

* Please note, this is business hours, and the speed of the transfer may depend on your bank. Some banks may accept the transfer within minutes, while other banks may take longer than the 60 minutes.

Enjoy Straightforward, Transparent Personal Loans Where YOU Know the Exact Costs Involved to Repay the Loan… Without the Complicated Paperwork…

All in 3 Easy Steps… Even if YOU Currently Have a Bad Credit Rating!

Are you in full-time employment and in need of loan amounts ranging from $100 to $500 to get you through a difficult time until payday? We can give you the same day cash loan right away.

Are you unable to get a loan through your bank or lending institutions due to your bad credit history?

Do you have an urgent payment or payments which you need to make?

If you’ve answered Yes to any of the above, then we may be able to take your financial worries away.

Here’s why…

We’re a local NZ business which specializes in short-term, no-fuss payday bad credit loans where you can get a cash loan ranging from loan amounts of $100 to $500.

We know it’s difficult to plan for unforeseen small emergencies.

This is why we can give you same day cash loan so you can pay urgent one-off expenses like a car repair bill, emergency dental work, medical bills, or even if you want to take advantage of an early payment discount.

Here are some reasons why we can help you do this:

  • You can get the cash loan into your bank account within 60 minutes after it’s been approved.

  • You don’t have to print off or signing any documents, instead, you can sign your loan agreement online using a mouse or trackpad.

  • You can know exactly how much you can borrow, and at what costs with our custom emergency loan calculator.

  • You can do all this with our 3 Step Process where you can get a cash loan as quickly and easily as possible.

  • You can apply for a cash loan any time as our online application form is available 24/7.

  • You can borrow between $100 and $500 on your first cash loan and up to $1,000 on your next one despite your credit history.

Get a Bad Credit Loan of $100 and up to $500 Within 60 Minutes

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You may be able to borrow between $100 and $500 on your first loan, and up to $1,000 on subsequent loans, subject to our lending criteria.

Once your loan is approved, you’ll get the money into your account within 60 minutes (during standard business hours, exact timing may vary depending on your bank).

This means you’ll have a flexible, quick solution to organise a loan and pay any unexpected bills and financial surprises you may have like an unforeseen medical bill, emergency vehicle repairs, or other sudden costs which can take you by surprise.

Apply for a Cash Loan 24/7 with Our Quick and Easy Online Application System

Whereas most lending institutions limit you to applying for your payday loans during working hours, thanks to our online application system, you can apply for your loan at any hour or any day.

This way we can process your application and give you your loan in the fasted time possible.

Everything is also done digitally, which means you don’t have to print off or sign any documents. Instead, you can simply sign your loan agreement online using your mouse or trackpad. It couldn’t be simpler.

Then once we’ve processed your application and your loan has been approved, our 60-minute guarantee ensures you will have the funds in your bank account within an hour.

Personal Loans Which Are Easy to Pay

We’re responsible lenders specialising in bad credit loans, which means we have your best interests in mind. 

We want to give you a personal loan so you can improve your financial situation, not get into an even worse one where you repay the loan and find yourself under more financial strain.

This is why, when you get a loan through us, you will never have to repay more than 25% of your net pay each pay period. This ensures you can afford to repay your loan without putting yourself under any financial strain.

Discover Exactly How Much You’ll Have to Pay Back

Unlike many other payday lenders, we offer you 100% transparent bad credit loans. There are no hidden fees or conditions.

Many other payday lenders have hidden costs in the small print which means you can get into even bigger debt and be under more financial strain to repay the loan they give you.

However, we believe in total transparency so you can know exactly what it will cost you to get a cash loan from us.

This includes the loan fees and interest rates which will give you the exact installments you’ll need to pay before you decide whether or not to take the loan.

This means you will know exactly how much you can borrow, and all of the associated costs involved when you have to repay the loan.

To help you do this, you can use our custom emergency loan calculator which will help you understand all the costs of your loan.

This is an easy to use online calculator which will calculate how much you can borrow and exactly how much you will have to pay back.

This includes how much interest you will have to pay, the fees involved, and the number of repayments, together with the full repayment amount.

This means you will be able to understand the exact costs associated with your loan before you borrow so you can decide if it’s right for you.

To discover what costs will be associated with your loan, please visit the what are the costs page?

Your Details Are 100% Secure

You should always be careful with giving your personal documents online. To make this easy for you, we have a secure method of collecting your personal information which is protected by robust security systems.

So you can easily upload and save your personal documents online and access them at any time without complete peace of mind.

If you have any doubts about your personal details, you can read our security information and privacy policy.

bad credit loan nz qualification

“I just wanted to email and say thank you to the team at Need Money Now. I can’t believe how quickly they processed my application, and how quickly I had the money. Really helped me out.”

- Brian, Brydnwr

Do I Qualify for a Cash Loan?

Want to know if you qualify for a cash loan?

To get a cash loan from us you need to meet certain criteria. For example, you must earn over $400 per week net from ongoing employment.

Please note, this doesn’t include any income you may be getting from benefits, self-employment, your pension, or disability benefit.

You can find the full list of our criteria on the do I qualify page. To get a bad credit loan from us you need to meet certain criteria. For example, you must earn over $400 per week net from ongoing employment.

Please note, this doesn’t include any income you may be getting from benefits, self-employment, your pension, or disability benefit.

You can find the full list of our criteria on the do I qualify page.

 

Apply for Bad Credit Loans 24/7 with Our Quick and Easy Online Application System

+ Should you apply if you already have debt?

As a responsible bad credit loans lender, we would first encourage you to look at alternative options before taking out a short-term loan.

Our loans are designed to be used in case of an emergency, such as an unforeseen medical bill, emergency vehicle repairs, or other unexpected costs which take you by surprise.

If you’re already in debt, we would advise you not to take out a bad credit loan. This will only increase your financial responsibilities. Talk to the Citizens Advice Bureau or get budgeting advice from a service like sorted.org.nz. You can find out more by reading our information on hardship.

If you are borrowing to repay debt or pay bill arrears, check with the creditor first to see if you can work out a payment plan with them. Explore all your options before you apply for a Need Money Now loan.

+ Do I need to give a reason for my loan application?

We are a responsible lender which means we follow new regulations which require us to ask you for the purpose of your loan.

This also means, unless you have a good reason, we reserve the right not to approve your loan.

+ Can I get a loan if I am not in employment?

When we give loans, it’s important we’re sure people are able to repay them. This is why we will only give you a loan if you are in ongoing employment and earn over $400 per week net (after-tax) from your employer.

If you are one of the following income earners, you’ll be unable to get a loan:

  • Beneficiaries
  • Self-employed
  • Unemployed
  • Part-time employed (with less than $400 net income per week)
  • Superannuitants
+ How much money can I borrow?

You can borrow between $100 to $1,000, depending on your ability to meet our lending criteria which largely depends on how much you earn.

However, if it’s your first time getting a loan from us, this range is from $100 to $500.

In respect to payments, to ensure you can afford to repay your loan you will never have to repay more than 25% of your net pay each pay period.

+ How do I provide my bank statements?

If your bank is compatible with our system, then you can do this online. You can do this by completing the bank verification details when prompted during your loan application.

This way of providing your bank’s read-only statement of the last 90 days worth of transactions is secured by your bank so you can have peace of mind your details will be protected.

When you enter your Internet banking login-in details, our agent DecisionLogic means we will have access to your transaction history from the accounts you gave us during your loan application.

We will only ever have read-only access to your account balances, transaction details and account names. This will enable us to assess your current as well as future bad credit loans applications.

The following banks are compatible with our technology:

  • ANZ
  • BNZ
  • Kiwibank
  • Westpac
  • TSB
  • ASB

In the event you don’t use Internet banking or are with a non-compatible bank, you can have your bank send copies of your statements manually to us at [email protected].

When we receive your bank statements a customer service representative will contact you to complete your application. We do not accept manual copies of your statements sent directly from yourself.

+ How do I know if I have a tax refund due?

We’re a responsible lender and would encourage you to look at alternative options before taking out a short-term loan.

+ What is a promotion code and where can I get one?

We may periodically give out codes during promotions which you can use to save money on the normal cost of your loan.

Your promotion code will need to be entered during the online loan application process.

Each code has different rules and expiry dates, so check to make sure any code you use is still valid when you apply.

Approval Process

+ Can I still get a loan if I have bad credit?

Yes. You can potentially qualify for bad credit loans to help pay your bills. 

However, our bad credit loans are to be used in case of an emergency. If you are already in debt, see our information on hardship – other options may be available to you. We will assess each loan on a case by case basis. If you are borrowing to repay debt or pay bill arrears, check with the creditor first to see if you can work out a payment plan with them.

+ Do you contact my employer?

Provided you have not defaulted on your loan, we generally would not contact your employer. We may, however, contact your employer as part of our application process to ensure you are still employed.

We will never discuss the amount you are borrowing or the purpose of the loan with your employer. These details are confidential. The information we verify is to ensure you have a reliable, consistent source of employment that meets our threshold of $400 a week net.

We may contact your employer if you are in default of your loan. Please see the section below regarding Wage Deduction Authority.

+ How do I receive my money?

We will transfer the money directly into your bank account within 60 minutes of your loan being approved, provided your bank accepts same day cleared payments.

Please note our 60-minute guarantee only applies to applications made between 9am and 4:30pm, Monday to Friday. Banks are closed at all other times, preventing us from making immediate payments outside those hours.

+ How do I pay you back?

We will set up an automatic direct debit to collect the money directly from your bank account. The money will be deducted on the same night you are paid.

Please be aware, if the funds are not available in your account on the agreed direct debit date, you may incur a default fee.

Please refer to our Fees and hardship policy for further details. We will send you a text message reminder the day before your repayment is scheduled.

+ How much do I pay back each week?

As a responsible lender, we ensure you never have to repay more than 25% of your net pay each payday as we want to make sure you can afford to repay your loan.

+ What if I am unable to repay my loan?

If you think you have insufficient funds in your account on the repayment date please contact us immediately to halt the direct debit. We realize your circumstances can change and will work with you to resolve this.

There are hardship options available to you under the Credit Contracts and Consumer Finance Act 2003 if you cannot genuinely afford to repay your loan. See our hardship policy for further details.

+ What do I do if I don't want the loan anymore?

You have five working days from the moment the terms of the loan are disclosed to you to return the loan proceeds to Zebra and cancel your loan agreement. Check the loan agreement for a full statement on the terms and conditions of the loan.

+ Can I pay back my loan early?

Yes. You won’t be charged any additional fees for early repayment. Interest is calculated daily. If you would like to repay your loan earlier please give us a call and we will inform you what your final repayment amount is.

+ What is a Wage Deduction Authority?

A Wage Deduction is only utilized by us as a last resort when we have exhausted all attempts with the borrower to reach a suitable repayment arrangement.

Failure to repay your loan may lead to legal action and may adversely affect your ability to gain credit in the future.

If you have doubts about whether you’ll be able to repay a loan we suggest you should not take out a loan.

We will present the Wage Deduction Authority to your employer (or future employer) and the payment of the loan plus costs will be paid directly to Zebra Loans by your employer from your wages, salary, commissions or holiday pay.