• Re-Apply Below

    Returning Customers Only
  • We will be closed from 12 pm today. 

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  • You must have met at least 80% of the current loans repayment schedule to qualify for a refinance.

    A refinance means a part of any new loan approved will go towards settling a current loan you have with us in full. The remainder of the loan will be transferred into your account. 

  • IMPORTANT: It is a serious breach of our lending terms and conditions to acquire a new loan without advising us of changes in your submitted details. Please ensure any changes to employment, Banking & relevant personal details are sent through to us before applying for a new loan.

    Any Cash loan taken out under false pretenses will be treated as fraud and will be prosecuted to the full extent of the law if necessary.

  • Please update your New Employment Details:

  • Please update your New Address Details:

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  • Please update your New Bank Account Details:

  • Your new bank account must meet the following criteria to proceed:

    • Must be an account in your own name.
    • Must be the account that receives your main income deposits.
    • Must be an open NZ bank account.
    • Must be an account for which you have sole operating authority.

    We will need a new direct debit authority for the new account, please fill in the following:

  • Signing below will provide us with a new signed direct debit authority for the bank account entered above. A copy of this direct debit authority can be requested by emailing manager@cantwait.co.nz

  • Clear
  • Other Details Change:

  • Your New Loan:

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  • EXPRESS PROCESSING:

    Funds will be transferred as soon as your loan is approved and we have received your final loan acceptance reponse.

    If today is a weekend and if you do not bank with kiwibank, ANZ, BNZ or ASB your loan will be transferred ASAP on the next business.

  • STANDARD PROCESSING:

    Funds will be transferred to your bank account in the next transfer batch at 4 pm after your loan is approved and we have received your final loan acceptance response.

    If today is a weekend or non-business day, funds will be transferred on the next business day within the first transfer batch of the day.

  • Your Repayment Schedule:

     

    Will consist of {numpaydays} {payFrequency42} repayments of ${firstrepayment2} beginning on the {nextPay46}.

    Interest Rate 49.95%pa or 0.136% per day.

    Interest and Fees ${costofborrowing}

    Total Payable ${totalPayable}

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  • Unfortunately, Our loans are not fit for this purpose. This form can not be submitted based on your chosen reason for loan.

  • Affordability

    We need to confirm your affordability meets our lending criteria Please tell us about your regular incomes and expenses below:
  • Living Situation

  • Income

  • Please describe your {payFrequency42} income.

  •  
  • Living Expenses

  • Typical amounts for the following expenses have already been included within this affordability study - edit these as you see fit to match your situation. 

  • Please describe your {payFrequency42} expenses.

  • Other Debt

  • Please describe your {payFrequency42} expenses.

  •  
  •  
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  • Summary

  • Declaration:

  • We're not open today but we will process this application first thing tomorrow.

  • Should be Empty: