Frequently Asked Questions.


Need a Fast Loan. Let us do the hard work for you.

Is Need a Fast Loan a Payday Lender?2017-04-28T13:33:09+12:00

Need A Fast Loan does not make any loan or credit decisions and is not a lender.


How does Need a Fast Loan work?2017-04-23T13:09:30+12:00

Click here to see “How it works


Is Need A Cash Loan a lender?2017-04-23T13:07:37+12:00

Need A Fast Loan does not make any loan or credit decisions and is not a lender.


How much am I able to borrow?2017-04-23T13:07:22+12:00

Need a Fast Loan works with lenders who lend from $100 – $1000.

Our panel of lenders are responsible lenders so they make sure that the loan suits your requirements and you can comfortably make all of your loan repayments.

How do I apply for a loan with Need a Fast Loan?2017-04-20T18:47:38+12:00

Our application process is 100% online. To apply for a loan with Need a Fast Loan, you need to know your internet banking login details, have an email address and mobile phone number, you also need to be a resident of New Zealand, and over the age of 18.

If your application is selected by one of our lenders, you may need to provide them with some additional information regarding your income and contact details.

When can I apply?2017-04-23T13:07:04+12:00

Anytime you like! Our online application system is available 247, and we will let you know whether we have been able to find you a lender within 20 minutes of submitting your application.


Does it cost anything to apply?2017-04-23T13:06:53+12:00

There is no charge to use our service. The process is totally free.

How long does it take to apply for a loan?2017-04-23T13:06:28+12:00

Our application process takes only minutes, and you will be contacted within 20 minutes after completing your loan application if we have been able to find you a lender.

If your loan is then approved, most short-term lenders will endeavour to transfer the loan funds as soon as possible after approval.

What does it all cost?2017-04-23T13:11:04+12:00

There are no fees or charges to apply for a Fast Cash Loan through www.NeedaFastLoan.co.nz

If your loan is approved by a lender we have sourced for you, they will provide you with information regarding any fees and charges associated with their loans.

I can’t log into my bank account2017-04-27T12:01:14+12:00

When logging into your bank account please ensure that you use your desktop internet banking Username and Password.

Please note, these are not the username and password used on your mobile phone banking app, which is different (some banking apps let you log in on your mobile with a short password. On our site you are required to use the full username and password – like you would use on your laptop or computer).

All of our lenders require your last 90 days of bank transactions to help them assess that you can afford the proposed loan. We use an external company (Credit Sense) to form a fully secure connection with your bank. Much like PayPal, Credit Sense do not keep your internet banking credentials. Your credentials are encrypted when you enter them, passed to your bank to gain access to your transaction history and then permanently deleted. If you need to use us again, you will need to re-enter your internet banking credentials



What is the status of my loan application?2017-04-23T13:06:15+12:00

If you haven’t been contacted within 30 minutes of applying it means that we haven’t been able to match you with a lender.

Do you provide weekend loans?2017-04-23T13:06:02+12:00

As our process is 100% online, you can apply 247 for weekend cash loans. The processing of each application will be dependent on the business hours of each lender.


What if my bank is not listed on the banking login page?2017-04-23T13:05:53+12:00

As our application process is 100% online, we can only accept applications via our website, and we do not accept bank statements via fax or email.


Our bank statement provider is regularly adding new banks to their service, and if yours is not currently listed, hopefully it will be added soon.


When are my repayments made?2017-04-23T13:05:42+12:00

If your loan is approved by one of our panel of lenders, they will provide you with a contract outlining your loan repayments.


What should I do if I think I won’t be able to make a repayment?2017-04-23T13:10:36+12:00

If you’re unable to make a repayment on your loan, please contact your lender immediately.


What should I do if I am experiencing Financial Hardship?2017-04-23T13:05:18+12:00

If you’re experiencing financial hardship we’ll recommend your contact your lender immediately.

www.familybudgeting.org.nz also provides great advice and resources for New Zealanders needing financial assistance.


How do I make a complaint?2017-04-23T13:05:03+12:00

At Need a Fast Loan we want your experience to be so great that you tell all of your friends about us. That’s why if you have a complaint we will always take it very seriously and try to work it out with you.

From time to time we all make mistakes. So to help us when that happens we have put in place a transparent process to sort things out on our “Complaints” page.



“If you’ve been caught short of cash ahead of next payday then apply now for an Online Cash Loan Payday Loan up to $1,000. You can Apply 247, whenever the need arises and you’ll know where you stand in a matter of minutes.”

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