- NEED $100 - $1000 CASH WITHIN MINUTES ? ... $10 INTEREST PER $100 PER WEEK...
- CANTWAIT IS ONE OF NEW ZEALANDS LOWEST COST PAYDAY LOAN COMPANIES ...
- SIMPLE ONLINE APPLICATION... QUICK LOAN APPROVAL... EASY REPAYMENTS...
- NO ESTABLISHMENT FEES... NO ADMIN FEES... NO DIRECT DEBIT FEES...
- NO SECURITY... FREE REDUNDANCY INSURANCE... NO EMPLOYER CONTACT (see faq page) ...
UNSECURED FAST CASH LOANS ONLINE
LOW COST PAYDAY ADVANCES
Discover what thousands of other New Zealanders already have: Cantwait.com Ltd is one of New Zealands lowest cost pay day advance companies.
Compare Cantwait.com Ltd to other New Zealand payday advance business & you'll discover that the cost of a fast cash loan from Cantwait is 10% - 40% lower than that of most other payday advance companies.
Unlike most other NZ payday advance lenders we don't charge costly establishment fees.
Combine this with no fees for loan establishment / administration / direct debits or early repayment.
The only cost is the daily interest rate of 1.43%, or $1.43 per day on a $100 loan.
Once we've gotten to know & trust you there's not even any documents to sign, and no fees for renewal loans! Returning clients can apply for a new cash loan from any mobile digital device no need to be anywhere near a computer printer or fax machine.
Approval is fast & easy. Once approved, receive the cash overnight or within 60 minutes*
Try our loan calculator to see how much you could borrow and what your total repayments would be. There are no hidden extras.
QUICK LOAN APPROVAL
If you find yourself needing a personal quick cash loan, try Cantwait as a fast, easy & affordable solution to your urgent short term cash needs. Within minutes of applying you could receive up to $1000 cash in your bank account to cover any expense you have that needs urgent attention.
While we never ask your reason for taking out a Cantwait Payday Loan many of our existing clients use our instant cash loans to cover unexpected costs such as:
- car repairs
- medical costs
- vet bills
- travel needs
- power & phone bills
- school fees & uniforms
- funeral costs
With our easy loan terms of 1-70 days you can spread out the repayments for up to 10 weeks & so there's no need to stress about having to repay the entire loan from your next pay cheque.
Should the worst happen and you're suddenly made redundant we offer an interest free grace period of up to 3 months or until you've found another job.
Our automated direct debiting systems & free email reminders don't cost you a cent & because repayments are aligned with your paydays you can relax, sit back & get on with your life.
If you want to repay your loan early simply contact us by phoning (07) 5770136 or emailing email@example.com before 3pm on the relevant date and well organise this for you. Youll only pay interest on the actual days that youve had the loan. Theres no charge for early repayment in fact we encourage it & it saves you money on interest.
Once your loan is fully repaid youll be sent a quick email saying thank you & letting you know your unique 4 digit pin number which lets you re-apply as a RETURNING CLIENT
- Renewals are fast and easy.
- Approval is guaranteed if you have a good borrowing history with Cantwait.com Ltd
- Renewals are not automated
- Electronic signature acceptance of loan documents
- No Renewal Fee
- No Supporting Documentation required
- No Credit checks
New clients can borrow up to 40% of net take home pay up to a maximum loan amount of $1OOO.
Loan repayment terms can be up to 10 weeks.
Complete our fast & simple online application. Find out how much you can borrow. It's EASY!FIND OUT MORE
IMPORTANT INFORMATION – Please read before applying for a Cantwait pay advance loan.
APR—Annual Percentage Rate
Cantwait does not charge establishment, administration or direct debit fees which understate the true financing cost of a payday loan.
The Annual interest rate is used by consumers to compare lenders and loan options over a 365 day period. Our loan terms are from 1 day to a maximum of 70 days only.
Our APR is 521.43% p.a. or 1.43% per day.
This equates to a total cost of $10 in interest on a $100 loan over 7 days or only $1.43 per day.
|7 Day Loan||Interest||Total Loan
Same Day transfer cost: $10.00
New Client credit check: $20.00
How Interest is Calculated:
Interest charges are calculated daily on the unpaid loan balance at the rate of 10% per 7 days.
Interest is charged to your account on the scheduled repayment dates & is calculated by multiplying the annual interest rate (521.43%) by 7 then dividing by 365.
GOVERNMENT LEGISLATION COMPLIANCE:
This web site is governed by, and is interpreted consistently with, New Zealand law.
Cantwait.com Ltd is a New Zealand Registered Financial Service Provider - FSP1965
New Zealands Financial Service Providers (Registration and Dispute Resolution ) Act 2008, requires that in order to become a Registered Financial Service Provider all Cantwait.com Ltd senior management & company Directors have been screen by, and have passed, NZ police checks.
Cantwait.com Limited is governed by New Zealand legislation including :
- The Registration & Dispute Resolution Act 2008
- The Credit Contracts & Consumer Finance Act 2003
- The Privacy Act 1993
- The Companies Act 1993
- The Fair Trading Act.
Once your loan has been approved we will email you a Disclosure Statement telling you the repayment dates plus the cost of each repayment.
2 days before your repayments are due we'll email you a friendly repayment reminder.
On your pay day we direct debit your bank account for the set amount.
Once your loan is repaid in full we will acknowledge this with a "thank you" email and you will be issued with a unique 4 digit pin number & instructions on how to txt 4 cash loan renewals with no paperwork required.
WHAT HAPPENS IF I CAN'T MEET MY PAYMENTS?
If you know you won't be able to make any of your payment obligations on the due date you need to notify us 2 days before the repayment is due. We will (at our discretion) arrange to defer your repayment or work out an alternative repayment schedule for you. There is no cost for this service.
If you don't notify us and your repayment is reversed, for any reason, by your bank, we will send you an automated email advising you that you need to make a manual payment within 48 hours.
If you fail to make contact with us or do not make a manual payment within 48 hours we will attempt to contact you by phone.
If we are unable to establish communication with you we will contact your employer and activate the wage deduction authority we hold on file for you.
If, for any reason, the wage deduction authority cannot be activated and you have not contacted our offices we will refer your account to our Collection Agency. This will negatively impact on your credit score and may affect your ability to obtain future finance in New Zealand.
DEFAULT FEES & COSTS
|Cancelled direct debit fee:||$50.00|
|Default interest rate:||100.00% p.a. above the APR calculated and debited daily. This is charged on the amount in arrears from the time you fail to make payment due until the arrears are paid.|
|Collection cost:||25% of unpaid balance at date of default|
|Legal fees:||Any & all legal fees associated with debt recovery|