Please read before applying for a fast cash loan

Opening Hours :

Monday – Friday 9am to 5pm.

Saturday – Sunday 11am – 5pm

Public Holidays 11am – 5pm

APR  – Annual Percentage Rate

Can’t Wait does not charge early repayment, establishment, administration or direct debit fees which understate the true financing cost of a fast cash loan. The Annual interest rate is used by consumers to compare lenders and payday loan options over a 365 day period. Our fast cash loan terms are from 1 day to a maximum of 70 days only.

Our Maximum APR is 521.43% p.a. or 1.43% per day.

This equates to a total cost of $10 in interest on a $100 payday loan over 7 days or only $1.43 per day.


Transfer Fee

Applied to all approved loans to cover application & transfer related charges


Schedule Change Fee

Applied at CWL’s discretion if the borrower requests a change to  current repayment schedule


Default Fee

Applied at CWL’s discretion if the borrower repayment defaults


Collection Agency Loading

Payable by the borrower if the account is sent to our collection agency

+20% of total CWL debt

Collection Agency Site Visit

Payable by the borrower if the collection agency deems it necessary to visit the borrower in person to recover unpaid debt.

+$86.25 per visit

Collection Fees – Fees apply when account is in default and contact is not maintained.

Missed payment: $25.00

Default interest rate: 100.00% p.a. above the APR calculated and debited daily. This is charged on the amount in arrears from the time you fail to make payment due until the arrears are paid.

Legal fees: Any & all responsible legal fees associated with debt recovery

Payday Loan Repayments

Once your fast cash loan has been approved we will email you a Disclosure Statement telling you the repayment dates plus the cost of each repayment.

Before your repayments are due, we will email you a friendly repayment reminder.

On your pay day we direct debit your bank account for the set amount.

Once your fast cash loan is repaid in full we will acknowledge this with a “thank you” email and you will be able to re-apply if needed via our returning customer section using your client number.