The Fast Loans NZ Lenders
Who Give YOU up to $1,000 Loan into
Your Bank Account Within 60 Minutes

Are you in need of quick loans due to being hit with a sudden, unforeseen bill which you need to pay yesterday? Not to worry, we’re a fast loans NZ company which specialises in quick loans.

This means you can get a quick cash loan into your bank account today, in as little as 60 minutes after your application has been approved. We offer you fast and easy payday loans… no paperwork.

Get a Fast Loan of up to $1,000 Today

We can give you a fast cash loan into your account today ranging from $100 to $500 on your first loan, and up to $1000 on subsequent loans.

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.

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.

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

Andrea’s repayment schedule would look as follows:

  • 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 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 advances, please visit the what are the costs page.

Responsible Lenders

Whereas other quick loan NZ lending institutions limit you to applying for your cash loan during working hours, we are a quick loans NZ company with a 24/7 online application system.

This means you can apply for your quick 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.

This way we can process your application and give you your quick 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 quick loan agreement online using your mouse or trackpad. It couldn’t be simpler.

ask about fast loans

Enjoy Fast Approval Loans

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.

Get a Fast Loan of up to $1,000 Today

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 same day 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.

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 quick loans 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 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.

quick loans application

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 quick 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

+ Is it possible to get easy loans with bad credit?

You can get easy loans from us even if you have bad credit. These are small loans, which can apply for as long as you meet the criteria.

For more info, visit our page:

Get an Easy Loan Online in 3 Simple Steps

+ How fast is the process?

If approved, your quick payday loan will be deposited into your account within 60-minutes. Please note, this time may vary depending on your bank.

+ What amount of a personal loan can I get?

The amount of easy loan you can get varies from $100 to $500 if it’s your first time. And up to $100 on subsequent loans.

+ How easy is it to get an online loan?

Getting personal loans through us is a straightforward process. There’s no paperwork to fill out, you can do everything online, and you can have your money in your bank account within 60-minutes.

However, 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.

To find out more, please visit our Do I Qualify information page.