Easy Loans

Get an easy, quick cash Loan in New Zealand In 3 Simple Steps.

When you need money quickly and have bad credit, you want the process to be as easy as possible. Other lending institutions often have complicated application processes which make getting a cash loan difficult and stressful. This is the last thing you need when you’re under stress to pay your bills.

We can give you a cash loan without any credit check straight into your bank account in as little as 60 minutes from when your loan has been approved - easy loans with Need Money Now.

How Are We Able to Offer You Easy Loans?


Our process is easy. When we say easy loans, we mean easy loans. There is no printing, no paperwork, and no signing of documents. Instead, you can simply sign your loan agreement online using your mouse or trackpad.


Our loans are processed entirely online. This means you don’t have to fax or post anything to complete your application. Instead, you can do everything on your computer or mobile device whether you’re at home, at work, or even on public transport. All you need is a WiFi connection.


It’s easy for you to get your money. You can get from $100 and up to $1,000 into your bank account within 60-minutes of your loan being approved. This means you can pay off your bills in the shortest time possible.


You can access everything online. You can easily and securely save your loan documents online and access them at any time. Our online system is quick and secure as your information is protected by one of the most robust security systems around.

So whether you’ve taken out an online loan before or it’s your first time, you can complete the process in the quickest and easiest way possible.

This means you can get an easy loan into your account today ranging from $100 to $500 on your first loan, and up to $1000 on subsequent loans, with the least stress possible.

The amount you can borrow will be determined by your individual circumstances. To find out how much of a quick loans you can get, you can use out fast loan calculator here.

Apply for a Easy Loans Online 24/7

Whereas other cash loan institutions limit you to applying for your cash loan during working hours, we are an online loans company with a 24/7 online application system. This means you can apply for a personal loan with us quickly and easily at any hour or any day. All you need is a mobile device or a computer with internet access.

With our online loans, we can process your application and give you your easy 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 personal loan agreement online using your mouse or trackpad. It couldn’t be simpler.

It’s Easy to Get Your Personal Loan

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

How Does the Process Work?

You can get a personal loan through us in 3 simple steps.

Step 1

Apply Online

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


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.


Step 3


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.

Our online application is easy to use. However, should you have any questions, our customer support team is here to help you.

How Much Will It Cost?

We are a responsible lender, which means we will tell you all costs associated with your personal loan clearly and upfront. This means you can make an informed decision when taking out a cash loan.

We charge interest on personal loans at a rate of 1.5% per day, which is equivalent to an APR of 547.5% per annum. You can view a full list of our Borrowing Costs here.

So you can clearly understand how much is paid back on a typical loan, we have created a fictitious example below so you can see the potential costs and repayments involved in paying back a fast loan.

Example – $500 Loan

Let’s take the example of Andrea. Andrea earns $600 net a week and would like to borrow $500 for urgent dental work.

She is paid on Wednesdays. Today is Monday 10th July, and Andrea is next paid on Wednesday 13th July.

Having chosen 5 repayments, Andrea’s loan repayments will be on the following dates:

13th July;
20th July;
27th July;
3rd August;
10th August

Andrea’s final loan repayment is therefore on the 10th August. Andrea’s loan was approved and paid on Monday 10th, meaning Andrea will be borrowing the money for 30 days. This is how our easy loans system works.

The total fees on the $500 Andrea borrows will be:

Establishment fee: $25
Direct Debit fee ($5 per transaction): $25
SMS fees: $6 Once to verify her and one reminder the day before each direct debit.
Interest (30 days @ 547.5% per annum): $150
Total: $206
Total repayment amount: $706

Her repayment schedule and amounts will be:

13th July: $141.20
20th July: $141.20
27th July: $141.20
3rd August: $141.20
10th August: $141.20

Total repayment amount: $706

A Completely Transparent Fast Loans NZ Company

Unlike many other online lenders who provide personal loans, we are a personal loans company which offers you 100% transparent payday loans. There are no hidden fees or conditions involved with your personal loan.

Many other online loan companies 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 personal 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 a cash loan with us or not.

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 when taking out a cash advanced loan, 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 personal loan before you borrow so you can decide if it’s right for you.

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

Responsible Lenders

We’re responsible lending company specialising in quick loans, which means we have your best interests in mind.

We want to give you a quick 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 quick 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 quick loan without putting yourself under any financial strain.

It is important to remember not to take a quick loan unless you really need it as interest rates are high. Taking a quick loan to cover up weekends partying or other unnecessary activities is never smart decision.

Fast cash loans should be taken only to help you get out of a bad situation. So, if it can help you pay for car repairs, urgent bills it’s justified to take it. Be sure to think twice before taking payday loans, so you won’t regret the decision later.

easy loan lenders

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 with complete peace of mind.

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


“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 personal 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.

We pride ourselves on being more flexible than traditional lenders, however, there are some basic criteria that you will need to meet.

These include being over the age of 18, and also currently in full-time employment amongst other criteria.

To view our full list of eligibility criteria to determine whether or not you will qualify for a fast loan, please visit our Do I Qualify information page.

If you are still not sure that you meet the requirements, than you can always contact one of our friendly team members for advice on your application.

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

Frequently Asked Questions

Find Out More

Personal Loan With No Income

Some loan applicants do not have permanent employment or steady income. Unfortunately, all borrowers at Need Money Now must have permanent employment (full-time or part-time) with a steady weekly income of at least $400 per week after tax.

While this policy can be frustrating for some applicants, Need Money Now is committed to practicing responsible lending, in which we only lend to borrowers who can successfully pay off their loan.

Getting a Quick Loan

Mortgages, student loans, and business loans traditionally involve large amounts of money and long processing times. For cases of financial emergencies, a small quick loan from Need Money Now is the ideal solution.

Getting a quick loan is as simple as filling in our online application and providing the required ID. Within 60 minutes, your loan application can be processed, approved, and transferred to your account.

Loan Without Proof of Income

Securing a loan from traditional banks and lenders without proof of income can be difficult, as they require proper income verification documentation such as pay stubs, tax returns, bank statements, and more.

In times of financial emergency, these documents can be difficult to quickly produce. Need Money Now offers an easier application and income verification process that only requires your bank details and possible employment verification to successfully process a loan.

How Can I Get Instant Loan Online?

When it comes to cash emergencies, kiwis need solutions that are fast, efficient, and trustworthy. With instant online lending, even individuals with poor credit can get money transferred to their accounts in an instant, without printing, signing, or notarizing any paperwork.

Need Money Now offers crucial information in securing easy cash online, in just 6 easy steps.

Emergency Money

Having financial contingency is crucial in everyday living for kiwis. Emergency money usually comes in the form of a savings account, but when your own savings fail to keep you afloat, emergency cash can help you during shaky times.

Getting emergency money is easy: find a reputable online lender like Need Money Now, know your debt terms using an online calculator, send an application, and receive the money you need.