there are 4 simple steps to procuring your same day loan nz. 1- apply using the payday calculator to determine the amount you wish to borrow. 2- We assess your application, do a credit check and if this is your first time using Cash Relief NZ we send you a contract to digitally sign. 3- Once a contract is signed we deposit the money either within 60 minutes or overnight. 4- Repayments are made on an agreed upon date and will be deducted directly from your account, just make sure you have enough money in your account.