Rating based on 1,478 reviews
We are New Zealand's most reliable online quick loan providers!
When you need money in a hurry there isn't going to be a bank in site to assist you but at cantwait.com you can apply online and rest assured your payday loan will be approved in just minutes.
A league of our own
At cantwait.com we care about our customers and aim to meet their needs in a reliable, affordable and efficient manner. It is this awareness and approach that has allowed us to becomes one of New Zealand's leading payday lenders - offering fast loans that are 10% to 40% cheaper than our competitors.
What cantwait.com can offer you
We offer personal loans of between $100 and $1,500 at a loan term that ranges from 1 to 70 days.
Our APR is currently 521.43% which is lower than our nearest competitors and can be considered one of the most competitive rates on the market.
Loans for emergencies
Our loans offer customer small amounts at reasonable rates. These loans are optimal for taking care of emergency expenses such as an invoice for a car repair or a medical bill that needs to be taken care of. You can apply for the payday loan online and have it credited to your account within 48 hours.
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In a Nutshell
- Average processing time 2 hours
- Online application
- Unsecured loan option
- Bad credit consideration
- Early repayment
Get a payday loan on cantwait.com today! Its easy to apply
Since our loans are available entirely online and you can enjoy instant approval - the rates we offer are higher than those offered by banks on their short-term loans.
Considering this, these loans are only ideal for emergency situations and temporary cash flow issues.
Same day loan transfer
Once you've chosen your ideal loan amount and completed the online loan application form we will then process it and inform you of whether we can approve your request. This will usually be done in 2 hours or less and we can even transfer the funds on the very same day.
We lay all of our cards on the table
When it comes to lending we believe in having an honest and transparent approach. That being said we ensure that our customers are fully aware of the implications of the loan that they are applying for. We refuse to lend to an individual unless they fully understand the requirements of our loans and we have ensured that they are able to afford the loan. It is our goal for our loans to place individuals in a better financial position which is why we are strict when it comes to lending. That means that you can leave the magnifying glass at home because we do not believe in the fine print!
Choosing the right loan term for you
Traditionally payday loans had to be repaid by the borrower’s next payday. We do, however, offer loans with longer repayment periods to suit your preferences and pocket. When it comes to deciding on a loan term you need to evaluate your payment frequency and the maximum amount that you can repay with each instalment. The higher your repayments are, the faster the loan can be repaid and the more money you will save on interest. Get the most out of your loan with Cantwait.com.
Eligibility & Requirements
- 18 years or older
- NZ resident
- Employed full-time
- Credit check
- Bank statements
Other Products & Services
- Payday Loans
- Short term Loans
Customer Reviews & Testimonials
Unforeseen circumstances arrive at any time and often you do not have a plan to deal with the situation. That is why my go-to guy is Cantwait.com. Whenever I find myself in a pickle, I can trust in Cantwait to get me out of it.
— Arundel —
The great thing about Cantwait.com is that I was able to apply for one of their loans from the comfort of my home using my mobile phone. Thank you for your easy online applications!
— Ohoka —
One of the best things about Cantwait.com is that their loans have affordable, fair and competitive interest rates. Borrowing from them does not only help me out of a tough situation but also saves me money!
— Awanui —