Rating based on 76 reviews

CantWait Loans

  • Payday loans up to $2,000
  • Quick approval
  • Low-interest up to 49.95%

In-page navigation

CantWait Loans homepage
Author CantWait Loans. Screenshot of CantWait Loans website.
[Accessed March 6, 2023]

About CantWait Loans

Get instant cash to tide you over until your next payday.

It will only take a few minutes to apply and everything can be done completely online from anywhere at any time. They are completely owned and operated by highly experienced New Zealanders that have a local understanding of what you might be going through. For over 50 years they have been assisting Kiwis with simple, convenient, and straightforward payday loans. Once finalized you can receive the cash you applied for within only 60 minutes.

How quickly can to get a payday loan

Not sure how much you can afford? You can use their online loan calculator to see how much you will be able to borrow together with the loan term. Once you know how much you would like to borrow you can then fill in a quick application form in just a few minutes.

Enjoy a tailored loan from a company that has a solution for every situation and will be able to get you exactly what you need through the extensive knowledge and experience they have gained over the years   

Get great rates and a payday loan that you will be able to afford as they are responsible lenders that will ensure that you do not over-extend yourself when you take out a loan with them.

CantWait Loans Services

Borrow a loan amount between $250 and $2000 over up to 15 weeks or more in certain cases.

Submit your application in only minutes and receive the cash you need within less than an hour. These online loans can be used for any kind of monetary emergency such as a power bill, a funeral, a car that needs fixing, a new fridge, etc. They deliver fast, reliable, and transparent payday loans that will tide you over until your next payday or for a little longer.

Great customer service

Deal with a team of experts that has extensive experience and knowledge that are passionate about providing second to none, paperless, no-nonsense, stress-free service to their clients.

Returning customers – faster the second time

Enjoy all kinds of benefits when you are a returning customer and access the cash you need even faster than before.

Manageable repayments

No need to go into the bank and waste time in long queues to make payments on time as they have designed a very easy and user-friendly method to help you manage your loan repayments online. They also offer you the option of repaying your loan sooner without any additional costs.

CantWait Loans – Payday loan

  • Loan Type Payday loans
  • Interest Rate 49.95%
  • Loan Amount up to $2,000
  • Initiation Fee $$150.00

Benefits of CantWait Loans

  • Apply 100% online
  • Fast loan approvals
  • Affordable payday loan options

Payday loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This payday loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

A bad credit loan is easy to apply for & you can have the cash within just minutes

How to apply for a payday loan and get cash in less than an hour?

Steps to apply 

One: Choose the amount and term that will suit you the best and complete the online application form in a few minutes. You will need to tell them about your address, name, income, expenses, job, and the purpose of the loan.

Two: Relax for a few minutes while they assess your information to determine if you qualify and for how much.

Three: If they approve your application, they will present you with a breakdown of the loan that includes all the details, terms, and fees. If you are happy with what you see, you can then accept and sign and will have the money within less than an hour! 

Check if you are eligible

  • I am 18+.
  • I can present proof of ID.
  • I can afford a loan repayment.
  • I am an NZ citizen or have permanent residency.
  • I earn $350 or more after taxes each week.
  • I have two contact phone numbers.
  • I have a bank account that has been open for longer than 3 months.
  • I am not bankrupt or under an SIO or NAP.
  • I have internet banking.
  • I can present proof of address.

The benefits of getting a payday loan

  • Applications are completed online.
  • Flexible and affordable quick loans NZ that are tailored to your budget and needs.
  • Experts with a high level of knowledge and skills.
  • NZ owned and operated.
  • Quick, easy, and convenient loans
  • Extra benefits if you are a returning customer.
  • Cash pay-out within 60 minutes.
man holding thumbs up

CantWait Loans is a trusted & reliable provider of payday loans

In our review, CantWait Loans adheres to the compliance criteria in accordance with the Credit Contracts and Consumer Finance Act 2003, where the granting the loan will not cause financial distress to the consumer.

✅ CantWait Loans is a registered credit provider in New Zealand: FSPFSP 1965

Customer Reviews & Testimonials

When I truly couldn't wait for the next payday to swing around I turned to Cantwait.com and they came to my rescue, a very good lender.

Hollie W.
— Dunedin —

Cantwait.com helped me find the most affordable loan option for my needs. I highly recommend.

Schyuler R.
— Gisborne —

CantWait Loans Contact

Physical Address

Opening Hours

  • Monday 08:00 – 17:00
  • Tuesday 08:00 – 17:00
  • Wednesday 08:00 – 17:00
  • Thursday 08:00 – 17:00
  • Friday 08:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed