Same Day Loans NZ: Get a Loan of up to $1,000 in Your Bank Account Today Despite Your Credit Score

Same Day Loans

Do you have an unexpected bill which you need to pay today? Do you not have the time to go through the hassle of doing complicated paperwork? Do you want a same day cash loan yet have a bad credit rating?

If so, then we can give you a short term day loan of up to $1,000 today and take away your money worries.

We’re an NZ online lending company which specializes in same day cash advances.

This means whether you’ve been hit with an unexpected bill for your car, medical expenses, or any other unforeseen cost, with our online cash loans we’re here to help you solve your problem ASAP.

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

Same Day Loan of up to $1,000 into Your Account Within 60 Minutes in 3 Easy Steps

When you need money fast, you don’t want to go through a complicated process where you have to fill out paperwork and then wait a long time to see if your loan has been approved. Instead, you want your unexpected costs to be paid as soon as possible. This is why we’ve created a simple process where you can get payday loans into your account 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 only applies to business hours, and, depending on your bank, the time can vary until the funds arrive in your account.

The 3-step process means your cash loan can be processed in the shortest time possible.

This means you can get a cash loan today quickly and easily… no paperwork involved. So you can have the money in your account and have it ready to pay off your bill in as little as 60 minutes after your loan has been approved.

You can get a short term loan into your account today ranging from $100 to $500 on your first day loan, and up to $1000 on subsequent payday loans.

It’s for this reason our payday cash loans are perfect for any sudden emergency or unforeseen expense you may have.

The amount you can borrow will be determined by your individual circumstances. To find out how much of instant loans you can get, you can use our online loans calculator here.

It’s easy to apply for cash advances with our online application system. However, should you have any questions, our customer support team is here to help you.

Apply Online 24/7 for a Same Day Loan

When you need a same day loan, time is off the essence.

Other quick loan NZ lending institutions limit you to applying for your cash loan during working hours. However, to ensure you get your loan in the fastest time possible, we have a 24/7 online application system.

This way we can process your application and give you your quick and easy loan in the fasted time possible, even if you’ve a bad credit rating.

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

This means you can apply for cash advances with us quickly and easily at any hour or any day and have it within 60-minutes of it being approved. All you need is a mobile device or a computer with internet access.

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“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 Same Day Loan?

Do you want a day loan yet don’t know if you qualify?

To get a day 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 same day 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.

How Much Will It Cost?

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

We charge interest on personal credit 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 type, we have created a fictitious example below so you can see the potential costs and repayment options 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 personal 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

Her repayment schedule and loan 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

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Same Day Loans NZ Company - Completely Transparent

Unlike many other online lenders who provide cash loans, we are an online loans company in New Zealand which offers you 100% transparent cash advances. There are no hidden fees or conditions involved with your cash loan.

Many other online payday 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 short term loan they give you.

However, we believe in total transparency so you can know exactly what it will cost you to get a short term day 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 same day 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 quick 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 online loan before you borrow so you can decide if it’s right for you.

To discover what costs will be associated with your same day loans, please visit the what are the costs page.

Responsible Lenders

We’re responsible lending company in New Zealand 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 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 same day loans, so you won’t regret the decision later.

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Your Details Are 100% Secure

Our robust security systems mean your personal information is fully protected.

You can be sure when you upload and save your personal documents with us your details are completely secure.

To find out more about our online security, please see our security information and privacy policy.

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Frequently Asked Questions