Need a quick 20? Then apply for an IOU with IOU BY Nrgmoney. No need to pawn items, no credit checks, and no need to worry about repaying it, we handle all of that. When you get an IOU20, $25 is deducted from your nominated bank account on your nearest payday automatically, which means you can apply for another IOU each time you repay it. Criteria: You must be 18 years of age or more You are authorised to setup a direct debit authority on your nominated bank account to make repayments from You are the account holder of the nominated bank account You must verify your identity with a NZ Drivers License or Passport or you must provide three forms of acceptable forms of Identification. Please read our terms and conditions for a list of acceptable forms of identification You must also provide proof of your address Please read our terms and conditions for a list of acceptable forms of proof of address