If you have any concerns or are dissatisfied with the services Cantwait has provided, please let us know by emailing

Our internal complaints procedure team will be more than happy to discuss, explain and hopefully resolve any problems you may have as soon as possible.

If you are not satisfied by our response to your complaint, you can request the involvement of an External Dispute Resolution Scheme for an independent and objective review of the circumstances. Ltd is a participant in Financial Services Complaints Limited (FSCL) which is an independent dispute resolution scheme approved by the Ministry of Consumer Affairs under the Financial Service Providers (Registration and Dispute Resolution) Act 2008.

FSCL Contact Information:

Phone: 0800 347257.
Post: Financial Services Complaints Ltd, PO Box 5967 Lambton Quay Wellington 6145

Full details of how to access the FSCL scheme can be obtained on their website The FSCL services are free to consumers.

Please note you must contact FSCL within 2 months of the date of this letter/email or FSCL will not be able to deal with your complaint.


When you apply for a Cantwait cash loan we need to make sure that you don’t get a loan you can’t afford to repay so 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 plus do a credit check if you’re a new customer.

We will not phone your employer unless your loan goes into default and we need to activate the wage deduction authority we hold in your file.

We will email you a Disclosure Statement once your loan is “active” which will give you all the information you need about interest rate, repayment amounts & dates and information about your right to cancel the loan. Ltd loan costs are 10% – 40% lower than that of most other N.Z. online payday advance companies.