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. 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 to repay. We will need to ask you some questions about your employment, we will also ask to see recent bank statements which help give us a clearer picture of your financial obligations, and do a credit check.


  • You need to be a New Zealand citizen, or have permanent residency.
  • Be in paid employment at which you earn $350 or more in the hand 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.


New clients can borrow up to 40% of net take home pay up to a maximum short term loan amount of $500. Short term loan repayment terms can be up to 10 weeks.

Try our loan calculator to see how much you can borrow.

No Fees for:

  • Early repayment
  • Establishment Costs
  • Administration Costs
  • Direct Debits
  • Emailed loan repayment reminders


  • 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 “Yes I wish to Proceed with this loan agreement” response via email we will transfer the funds into your account.
  • If your application is declined we will send you an email to that effect and all your documents will be shredded for privacy purposes.


For returning customers, short term loan applications are fast and easy. Approval is guaranteed if you have a good borrowing history with us at the discretion of Can’t Wait.

Check out the great benefits of being a returning customer:

  • Electronic signature acceptance of short term loan documents – nothing to print scan or fax
  • No renewal fee
  • No credit checks

Returning clients simply need their email address and Client number to re-apply through the returning customer section of our website.

  • Returning Customer Online Application –Go to Returning Customer and Fill out the form using your unique 4 or 5 digit client number. Short term loan documents are emailed and electronically agreed to by sending back the “Yes I wish to proceed with this loan agreement”  statement that can be copied from the email you are sent. No supporting documentation (e.g: bank statements) are required.


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 3pm on the relevant date. You will only pay interest on the actual days that you have had the short term loan. There is no charge for early repayments, in fact we encourage it.

Once your short term loan is fully repaid you will be emailed a thank you letter and a unique 4 or 5 digit pin number which will allow you access to all the benefits returning customers receive.