At Can’t Wait we offer New Zealanders a payday loan service that provides a quick and easy way to obtain a fast cash advance. Our Payday Loan approval takes only minutes, so it’s perfect if you need an emergency funds to help out until payday.

A payday loan (also called a “cash advance”) is an advance on your wages paycheck, ranging from $100 to $1,000. Payday loans provide a quick application and approval process, and an easy repayment schedule that is aligned with your payday. If you’re short on cash between paydays, a payday loan is a great way of solving the problem.


What Makes a Can’t Wait Payday loan stand out from the crowd?

Can’t Wait is a New Zealand owned company based in the beautiful Bay of Plenty. At Can’t Wait we aim to provide our customers with payday loans they don’t have to worry about by charging 10 – 40% less than our competitors.

We understand that most New Zealanders will face times of financial hardship in their lifetime and there are times when an unexpected bill can put the budget off track. That’s why our goal is to get our customers the money they need as quickly as possible while encouraging healthy spending habits.

Our goal is to get you back on your feet, and fast! That’s why we offer:

  • No Payday Loan Establishment costs
  • 100% online paperless application process
  • Weekend and Public Holiday Transfers
  • Flexible Repayment Schedules
  • Weekly : 10 Weeks, Fortnightly: 5 Fortnights, Monthly: 1 Month
  • No Direct Debit fees
  • Email Reminders
  • No Account Administration Costs
  • Loan Amounts from $100 – $1,500
  • Loan Terms from 1 day through to 70 days
  • Safe & Secure transfer of funds
  • 100% NZ Owned & operated since 2006