If you are a New Zealand citizen or legal resident, you can easily access loans from banks provided you have an income. Unfortunately, banks usually take a long time to approve loan applications. In fact, some banks usually take several weeks to approve loans, and they have loan limits. For instance, most banks cannot lend less than $500. Even when they do, they often take a long time to approve applications.
When you want easy cash loans, your best bet is to go online. There are many online lenders offering all kinds of short term loans that are approved instantly and disbursed in a matter of hours. By comparing the interest rates charged by different lenders as well as their processing speeds, you will be able to identify the right loan for your needs. The ideal lender should not have strict requirements and their T&Cs should be conducive.