Returning Customer Application Form

Re-Apply Below

Returning Customers Only
Client Number *
First Name *
FirstName1
LastName1
Last Name *
Email *
example@example.com
Have any of your details changed since your last loan was approved ? *

Yes No
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.
Whats Changed? *

Employment Details Address Details Bank account information Other
Please update your New Employment Details:
New Employer *
Occupation *
Employer Phone Number *
Employer Address *

Street Address

Suburb

City

Postal / Zip Code
Please update your New Address Details:
New Address *

Street Address

Suburb

City

Postal / Zip Code
Proof of Address *

Cancel of
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:
Bank *
2-Digits
Branch *
4-Digits
Account *
7-Digits
Suffix *
2-3 Digits
Mobile Phone *
Home Phone *
Address *

Street Address

Suburb

City

Postal / Zip Code
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
Signature *

Clear
Other Details Change:
Please Explain: *

Your New Loan:
Reason For Loan? *
Please tell us why you require this loan? *
Pay Frequency? *
How often do you received your main income?
Borrow Amount *
How much would you like to borrow?
Next Pay Day? *

Day Month Year
When is the next deposit of your main income into your account.
Number Of Weekly Repayments *
Number Of Fortnightly Repayments *
Number Of Monthly Repayments *
When would you like the funds?
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.
Transfer speed
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}
CostOfBorrowing
Int Rate
Direct Debit Fees
D
F
First Rate
Today

Day Month Year
Date
DaysTillFirstPayment
PR+INT
Establishment Fee
Days Between payments
Fees Portion
NumPayDays
First Repayment
firstrepayment2
First Repayment Date

Day Month Year
Date
2nd PMT Date

Day Month Year
Date
Loan Term (Days)
Unpaid IntBal
Total Payable
Total Interest
Total Fees
Unfortunately, Our loans are not fit for this purpose. This form can not be submitted based on your chosen reason for loan.
Numpaydays-1
You may be offered a lower borrow amount if the amount you have applied for is not approved.

Affordability

We need to confirm your affordability meets our lending criteria Please tell us about your regular incomes and expenses below:
Please describe your {payFrequency42} income.

Income *

	Income $	Source
Main Income
Other Income
Other Income

total incomeCalculation
Is your income likely to change in the future? *

Yes No
Please Explain?
Has your income been affected by COVID-19? *

Yes No
Please describe how your income has been affected:
Living Situation
Number of Dependents *
No.dependents
Marital Status *
maritalstatus
Accommodation *
residenttype
Do you share living expenses with anyone else? *
Living Expenses

Other Loans
Please describe your {payFrequency42} expenses.
Cantwait New Loan Repayments
Other CWL Loan
Other CWL Loan

Debt Repayments

	Lender	Repayment $	Balance
Other Loan
Other Loan
Other Loan
Credit Card
AfterPay
Laybuy
Other

totaldebtrepaymentcalc
Expenses

Living
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.
Rent/Accommodation *
Please explain why your Rent/Accommodation expense is $0:
Food & Groceries *
Please explain why your Food & Groceries expense is $0:
Clothing
Personal Care
Medical Expenses
Transport/Fuel
Education/School Fees
Child Care
Other
House Insurance
Car Insurance
Health Insurance
Power
Water
Rates
Gas/Household
Phone
Internet
totallivingexpenses
Are your expenses likely to change in the future? *

Yes No
Please explain?
Are any of the above expenses deducted from your wages/benefit before it is deposited into your bank account? *

Yes No
Please list deductions: *
Staff Use Only:
leave this field blank
Loan Assessor *

Total Other Expenses

Notes
Summary
Total Income ($)
Difference ($)
Total Expenses ($)
Application Outcome

Declaration:
Please ensure the following is TRUE before proceeding: *

I am not currently bankrupt, under an SIO or NAP. I agree to receiving electronic disclosure statements, communications and promotional information with the option to unsubscribe. I can meet this repayment schedule as well as other necessary costs for food, accommodation, utilities, transport, required medical expenses and other personal or financial commitments. I understand that all loan applications are treated separately to existing loan agreements. I understand that my repayment schedule is subject to change and will be properly aligned with my payday if I have entered incorrect information. I consent to Cantwait.com verifying my identity through third party Identification verification companies. I understand that a short term loan is only suitable for a short term cash flow shortfall and should not be used as a long term solution.
Sender
Email
example@example.com
Should be Empty:

	Name	Amount
Expense 1
Expense 2
Expense 3
Expense 4
Expense 5
Expense 6

	Yes/No	Amount/Count	How Verified
Gambling present within bank statements
Gambling a concern?
Income is regular and stable
Defaults present in bank statements
Defaults to other lenders present in bank statements
Income above $450 per week
Buffer between total expense and income
Buffer sufficient to cover undisclosed expenses if any.
Honouring current commitments
Demonstrates responsible spending habits
Previous history with CWL
Credit Check completed
Credit score
Credit check defaults
The borrower is not SIO or NAP or showing signs of experiencing financial hardship
Loan less than 40% of net monthly income
Borrower has stated that they are not in financial hardship
The borrower has stated that they can afford to make their CWL loan repayment as well as meet all other necessary expenses.
Any changes since last loan.

Re-Apply Below

Please update your New Employment Details:

Please update your New Address Details:

Please update your New Bank Account Details:

Other Details Change:

Your New Loan:

Your Repayment Schedule:

Affordability

Living Situation

Living Expenses

Expenses

Summary

Declaration: