Rating based on 44 reviews


  • Short-term loans up to $500
  • Low-interest starting from 33.99%
  • Repayment up to 10 weeks

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CantWait.com homepage
Author CantWait.com. Screenshot of CantWait.com website.
[Accessed March 3, 2023]

About CantWait.com

We are a leading cash loan provider in New Zealand with an excellent track record and a growing customer base.

What makes Cantwait.com stand out is our ability to service each client quickly and to provide a solution which is useful and affordable. Our cash advances, personal loans and payday loans come at highly attractive interest rates and limited fees.

We adhere to the responsible lending policy

Our quick loans are useful solutions in many situations including cash emergencies. They are designed to suit the needs of people looking to get money to fill holes in their budget. When you apply for a loan, we will determine whether our products can suit you best.

CantWait.com Services

It only takes a quick comparison to see that the short-term loans and payday loans of Cantwait.com have between 10% and 40% lower cost compared to those provided by most of the other lenders specialising in these types of credit products.

We have used our experience, finance knowledge and understanding of what our customers really need to devise the best loans. We do not have establishment fees which would add to the cost of the loan. Our only charge is our daily interest rate which is just 1.43%.

We offer a simple application process

You can have the cash in your account within 1 hour or overnight. We provide a loan calculator on our website to help you get a precise idea of how much you can borrow and how much this will cost you.

CantWait.com – Short-term loan

  • Loan Type Short-term loans
  • Interest Rate from 33.99%
  • Loan Amount up to $500
  • Repayment 1 week to 10 weeks

Benefits of CantWait.com

  • Apply 100% online
  • Instant short-term loan approvals
  • Repay your loan early

Short-term loan calculator

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

At Cantwait.com our short-term loans can change your life

We are fast becoming the well-known brand in the country for fast little loans.

Our customers speak highly of the quality service and speedy results they receive from us. When you need a quick loan, the last thing you want to do is go out and borrow money from friends and family.

With Cantwait.com loans, you don't need to go as far as that

You can quickly get the cash you need through our easy loan application, and within 24 hours, you can have the money you need, for whatever you need it for.

Short terms loans from $100 up to $1000, to do with as you please

Reasonable and smaller sums paid back over shorter terms mean you'll have the capacity to manage the cost of your ordinary everyday living, without a billow of substantial debt obligations hanging over your head.

Our application is so easy, everything is done online

We are here to take your call if you have any inquiries or questions in regards to your application or for general advice and loan tips as well. We don't expect you to stand in queues at the bank; we won’t ask you for reams of paperwork, and endless signing of documents. We won’t ask for your entire life’s history.

We keep it simple and to the point

Simple online application, and at the click of a button, your application will come through to us for a quick assessment. Our rates and repayment plans are extremely competitive in the market.

Our reimbursement structure is suited to fit your needs and your financial plan. Our short term loan amounts are kept low, as to be moderate, and not make an enormous mark in your budget.

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CantWait.com is a trusted & reliable provider of short-term loans

In our review, CantWait.com 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.com is a registered credit provider in New Zealand: FSP1965

Customer Reviews & Testimonials

Super helpful consultant, but the site was difficult to manage and the online process was not so fast, maybe I am just old!

Letitia P.
— Tauranga —

Short and sweet application process. It can be completed without help from a consultant.

Alston R.
— Hastings —

CantWait.com 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