Rating based on 17 reviews



  • Low-interest starting from 39.99%
  • Payday loans up to $1,500
  • Repayment up to 42 days

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Author cantwait.com. Screenshot of cantwait.com website. [Accessed May 23, 2018]

About cantwait.com

Cantwait.com is one of New Zealand's most dependable online quick loan providers.

When you are in desperate need of money, and the banks refuse to help. You can apply online today at cantwait.com and be rest assured that your payday loan will be approved within minutes.

Just the loan you need

At cantwait.com, they care about their customers and aim to meet their needs in a reliable, affordable, and valuable way.

It is with this awareness and approach that cantwait.com can provide the best loans within New Zealand. It has also allowed them to become one of New Zealand's leading payday lenders, which offers fast loans that are 10% to 40% cheaper than their competitors.

Cantwait.com has your best interest at heart

Life happens and needing to plan for absolutely every obstacle life throws at you can get tricky at times. As a family-owned company, cantwait.com is aware of what life in NZ is like.

Therefore they are dedicated to lending a helping hand to Kiwis in their times of cash shortfalls. They encourage responsible lending and intend to be there when needed! See if Cantwait.com is right for you.

What cantwait.com can offer you

Their APR is currently 39.99% which is lower than their nearest competitors and can be considered one of the most competitive rates on the market.

At cantwait.com, they offer personal loans of between $100 and $1,500 at a loan term that ranges from 1 to 42 days.

Emergency loans

Cantwait.com offers its customers loans at small amounts and reasonable rates. These loans are optimal for taking care of emergency expenses such as an invoice for a car repair or a medical bill that needs to be taken care of.

It has been made easy, that you can apply for a payday loan online and have it credited to your account within 48 hours. What are you waiting for? Get your payday loan today.

Requirements for a Payday loan 

  • You need to be a New Zealand citizen or have permanent residency.
  • Earn $350 or more after taxes each week.
  • Be aged 18 years or older.
  • Have a bank account that’s been open longer than 3 months.
  • Two contact phone numbers.
  • Not currently be Bankrupt, under an SIO or NAP.
  • Pass an affordability and creditworthiness assessment.

cantwait.com Product Details

  • Loan Type Payday loans
  • Interest Rate from 39.99%
  • Loan Amount up to $1,500
  • Repayment 24 hours to 42 days
  • Decision 2 hours

Get a payday loan on cantwait.com today! Its easy to apply

Since cantwait.com has loans available entirely online whereby you can enjoy instant approval, their rates are higher than those offered by banks.

When considering this, keep in mind that these loans are only ideal for emergencies and temporary cash flow issues. It is not a long-term financial solution.

Instant cash

Once you've chosen your ideal loan amount and completed the online loan application form, they will then process it and inform you of whether it is approved or not. This is usually done within 2 hours or less and they can even transfer the funds into your account on the very same day.

Payday loan conditions

When it comes to lending, cantwait.com believes in having an honest and transparent approach. That being said, they ensure that their customers are fully aware of the implications of the loan that they are applying for.

Cantwait.com refuses to lend to an individual unless they fully understand the requirements of their loans and whether they can afford the loan. It is their prime goal to ensure that all their customers get the help they need during financial difficulties.

Choosing the right loan term

Traditionally payday loans have to be repaid by the borrower’s next payday. However, cantwait.com offers loans with longer repayment periods to suit your preferences and pocket.

When it comes to deciding on a loan term you need to evaluate your payment frequency and the maximum amount that you can repay with each instalment. The higher your repayments are, the faster the loan can be repaid and the more money you will save on interest. Get the most out of your loan with Cantwait.com.

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cantwait.com is a trusted & reliable provider of payday loans

In our review, cantwait.com adheres to the compliance criteria in accordance with Credit Contracts and Consumer Finance Act (CCCFA), where the granting the loan will not cause financial distress to the consumer.

cantwait.com is a registered credit provider in New Zealand: FSP1965

Customer Reviews & Testimonials

January 2020

Unforeseen circumstances arrive at any time and often you do not have a plan to deal with the situation. That is why my go-to guy is Cantwait.com. Whenever I find myself in a pickle, I can trust ...

Melissa S
— Arundel —

March 2020

The great thing about Cantwait.com is that I was able to apply for one of their loans from the comfort of my home using my mobile phone. Thank you for your easy online applications!

Mimi P
— Ohoka —

April 2021

One of the best things about Cantwait.com is that their loans have affordable, fair and competitive interest rates. Borrowing from them does not only help me out of a tough situation but also sav...

Patrick N
— Awanui —

September 2021

Thank you for your easy online applications.

Wellington P
— Ohoka —

September 2021

The best loans that are affordable, fair, and competitive interest rates.

Watson L
— Awanui —

cantwait.com Contact Details

Contact Number



Physical Address

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed