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Emergency loans in New Zealand

We compare 17 offers. Updated 03 May 2026.

Best Emergency loans 2026

Ferratum

Amount, $100 - $3 500 ;Term, 1 - 45 days

$100 – $3,500 Rate from 0,00 % Approval: 1 - 45 days
★★★★☆ 4.0
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Harmoney

Amount, $2 000 - $50 000 ;Term, 3 - 5 years

$2,000 – $50,000 Rate from 6,99 % Approval: 3 - 5 years
★★★★☆ 4.0
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Credit Simple

Amount, $1 500 - $75 000 ;Term, 6 months - 7 years

$1,500 – $75,000 Rate from 6,99 % Approval: 6 months - 7 years
★★★★☆ 4.0
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Zebra Loans

Amount, $300 - $1 500 ;Term, 1 - 78 days

$300 – $1,500 Rate from 10,00 % Approval: 1 - 78 days
★★★★☆ 4.0
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Cash Relief

Amount, $100 - $1 000 ;Term, 1 - 365 days

$100 – $1,000 Rate from 252,00 % Approval: 1 - 365 days
★★★★☆ 4.0
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Kiwi Cash

Amount, $300 - $10 000 ;Term, 12 - 24 months

$300 – $10,000 Rate from 68,00 % Approval: 12 - 24 months
★★★★☆ 4.0
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NeedCashToday

Amount, $750 - $5 000 ;Term, 15 - 40 months

$750 – $5,000 Rate from 50,00 % Approval: 15 - 40 weeks
★★★★☆ 4.0
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QuickCash

Amount, $200 - $10 000 ;Term, 52 - 156 weeks

$200 – $10,000 Rate from 26,00 % Approval: 52 - 156 weeks
★★★★☆ 4.0
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Teensy

Amount, $400 - $5 000 ;Term, 6 - 26 weeks

$400 – $5,000 Rate from 49,95 % Approval: 6 - 26 weeks
★★★★☆ 4.0
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Loans2Go

Amount, $1 000 - $50 000 ;Term, 6 - 60 months

$1,000 – $50,000 Rate from 15,95 % Approval: 6 - 60 months
★★★★☆ 4.0
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Instant Cash

Amount, $300 - $50 000 ;Term, 1 - 60 months

$300 – $50,000 Rate from 30,00 % Approval: 1 - 60 months
★★★★☆ 4.0
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Acorn Finance

Amount, $400 - $5 000 ;Term, 4 weeks - 3 years

$400 – $5,000 Rate from 34,95 % Approval: 4 weeks - 3 years
★★★★☆ 4.0
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Advanced Cash

Amount, $300 - $5 000 ;Term, 4 - 12 weeks

$300 – $5,000 Rate from 167,90 % Approval: 4 - 12 weeks
★★★★☆ 4.0
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Fast money emergency solutions

Emergency loans are the fastest way how to get money in really bad situation like car accident, house dissaser or some medical issue. There are several loan providers, who can work 24/7 and could help you out of your bad situation. Some of them are in the table above. They have online application process and are quite safe to apply for a loan. We really warn you in front of personal loans from bad guys. Some emergency solution could be also loan from your family members, but it could hurt your relationship if you were not able to pay on time. You can also sell something what you do not need, but you will probably get very low amount of money for this thing when you need to sell that fast.

Are there some paperworks during application?

There will be probably some. Maybe blacklisted and bad credit people will be contacted by their clerk, or your loan should be approval with individual loan parameters. But all the paperwork with emergency loans will be really fast and mostly online.