• Re-Apply Below

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

  •  - -
  • To refinance, you must have already repaid the Initial unpaid balance of the loan. This figure is found on your loan agreement under the credit details section.

    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:

  • Format: 000 000-0000.
  • Please update your New Address Details:

  • Browse Files
    Drag and drop files here
    Choose a file
    Cancelof
  • 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:

  • Format: (000) 000-0000.
  • Format: (000) 000-0000.
  • 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:

  • Notice: CWL now offers loans between $250 - $1000 for returning borrowers.

  •  - -
  • EXPRESS PROCESSING:

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

    Transfers are available Monday to Saturday.

  • 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.

    Transfers are available Monday to Saturday.

     

  • 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}

  •  - -
  •  - -
  •  - -
  • Living Situation

  • Income

  • Please describe your {payfrequency} income.

  • Rows
  • Other Debt

  • Please describe your {payfrequency} expenses.

  • Rows
  • Living Expenses

  • Please describe your {payfrequency} expenses below.

  • SHARED LIVING EXPENSES:

    Please only include the portion of the expense that you pay for. We will verify these amounts with your bank statements. 

  • Other Expenses

  • Rows
  • Summary

  • Declaration:

  • Bank Statements - Credit Sense

  • We now need to verify your current financial responsibilities and spending habits to ensure our loans are right for you. As a responsible lender, we will not approve finance unless we are confident that the requirements of our loan will not put you into financial hardship.

    The next page will ask you to enter your online banking login details. This will allow us to review your recent income and spending habits/history to ensure a CantWait.com loan is right for you.

    We will receive a report containing a detailed analysis of the last 90 days of your bank account transaction history as a read-only report. A trusted third-party company based in Australia called CreditSense will process and securely send this report to Cantwait.com.

    Important: We take security very seriously. We do not receive or store your online banking login details. These are processed by a trusted third party, using the same security that the banks use.

    Click Here to learn more about Credit Sense.

  • Should be Empty: