Applying for a Short-term loan

Before you apply for a short term loan through Can’t Wait there are a few criteria you need to make sure you meet. See “WHAT YOU NEED TO QUALIFY” Below.

As part of our Responsible Lending Policy, when you apply for a Can’t Wait short term loan we need to make sure that you don’t get a short term loan you can’t afford and end of in financial hardship.

We use the information you provide to us to help in assessing your ability to meet your repayment obligations to us without incurring undue hardship. It is therefore important that you provide us with accurate information.

At the very start of the application process, will show you the repayment schedule you can expect before choosing to proceed. Please do not proceed unless you are happy with the provided repayment schedule.

The application process will gather information about yourself, your employment and your financial situation.


At we offer New Zealanders a payday loan service that provides a quick and easy way to obtain a fast online loan. Our Short Term Loan application process takes only minutes and is 100% online, so it’s perfect if you need emergency funds to help out until payday.

It’s important that you can make an informed decision about our short-term loans so please read these carefully and print or save them to file.

If you don’t understand anything in our Terms and Conditions or have any questions, ask us before you accept them by contacting us at or by phoning (07) 5770136.

A short term loan can be a great way to help you out of a tricky situation, such as paying a power bill, avoiding repossession, keeping the phone connected, avoiding bank dishonor fees or late payment fees but these are short term loans only and should only be used as such. They should not be used as a permanent solution to a serious debt problem. 

We use the information you provide to us to help in assessing your ability to meet your repayment obligations to us without incurring undue hardship. It is therefore important that you provide us with accurate information.

If you have any concerns about your ability to meet your obligations, you should consult an independent adviser before you enter this agreement. We do not provide financial advice.


  • You need to be a New Zealand citizen or have permanent residency.
  • Be in paid employment from which you earn $450 or more after taxes each week.
  • Be aged 18 years or older.
  • Have a bank account that’s been open longer than 3 months and have your wages direct credited by your employer.
  • Two contact phone numbers.
  • Not currently be Bankrupt, under an SIO or NAP.
  • You must be able to demonstrate good spending habits and the ability to repay a loan without experiencing undue hardship.
  • Pass an affordability and creditworthiness assessment.


  • Photo ID – Must show clearly: Full Name, Date of Birth, A Photo of your face and your signature. This can be a Drivers Licence or Passport.
  • Proof of address – This can be a copy of a utility bill showing your name and address.
  • Access to your own Internet Banking.


  • First you will complete our fast and simple online application.
  • Keep an eye on your emails as our loan officers may be trying to contact with further requirements.
  • Once fully approved we will email you a final set of loan documents accurately aligned with your paydays and instructions on how to accept the final agreement.
  • Once we have received your “Loan Acceptance Response” we will transfer the funds into your account.
  • If your application is declined we will send you an email to that effect.


For returning customers, short-term loan applications are fast and easy.

  • Our online returning customer application process is fast and easy.
  • Head to Returning Customers
  •  to apply as a returning customer.
  • You will need to have completed at least one loan.
  • You will need to CWL client number and email address to re-apply.


Sit back and relax, before your direct debit is due we will send you a reminder email and each pay period we will direct debit the payment due from your nominated bank account.

If you want to repay your short term loan early, simply contact us by emailing before 10am on the relevant date. You will only pay interest on the actual days that you have had the short term loan.


Free & confidential budgeting & financial capability advice is available by contacting

Contact Details:-

Email     :

Address: Level 7/330 Lambton Quay / Wellington 6011

Phone   : 0800 345123



Free independent dispute & complaint resolution is available by contacting Financial Services Complaints Ltd (FSCL) Limited is member 352 of FSCL


Contact Details:-

Email     : /

Address: Level 4/101 Lambton Quay / Wellington 6011

Phone   : 0800 347257 or (04) 4723728