1. Quick Initial Application process

The first pieces of information we need to know about you.

2.Bank Statement Report

Our secure online system will gather a 90 day report from your bank about your spending habits, account balances, and other financial commitments used to base our lending decision. This is a read-only report we do not gain access to your bank account.

3. We will be in touch ASAP.

You will be notified by email if your conditional pre-approval is successful or not.




  • Transfers are available Monday to Saturday.
  • Interest is not compounding.
  • 49.95% Interest Rate.
  • No Minimum Term.
  • Borrow $250 – $1000.
  • No hidden fine print.
  • Caring responsible lenders.
  • No charge for early repayment.
  • Flexible repayment schedules.

Short Term Loans from Cantwait.com

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 rely on the information you provide to us to assess 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, Cantwait.com 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.



*Same-day transfers available to ANZ, ASB, BNZ, TSB, KIWIBANK, and WESTPAC banks.



What is a Short-Term Loan?

A short-term loan is a small loan with a term of less than a year. At CWL our short-term loan term maximum is 15 weeks. These short-term loans are designed to help with an emergency shortfall and are handy to help with the hurdles life sometimes throws at us.

Interest is charged daily. Interest is not compounding. You will only pay interest for the days you have had the loan meaning, if you wish to repay early you will save in interest. We do not charge an early repayment fee nor do we charge interest on fees.

Our system will direct debit your repayments on your regular payday making repaying this loan simple and automatic.

If you are ever unsure about being about to meet your scheduled repayments, get in touch. Our staff are happy to come up with solutions for the unexpected.