Calculate your repayments
Use our loan calculator to estimate the loan amount and repayment schedule that best suits your current financial needs.
Simple application process
Using our secure application form, complete your application online and send us your supporting documents.
Receive the funds
If the loan is approved, we will notify you and then transfer the funds to your NZ bank account overnight.
* Repayment amounts are indicative only based on Annual Interest Rate of 49.45%, and will be finalised during your application process. Lower rates may be offered on a case-by-case bases. Instalment frequency is determined by your pay cycle. Fees, interest and terms and conditions apply to our loans - refer to our cost of borrowing section for more details.
Why choose Cashwise?
Borrowing is made easy and fast at Cashwise
If you want to borrow from $500 to $3000, then you have come to the right place. We are a New Zealand based company and have an experienced local team that understands the needs of the borrower. With our advanced loan process you can get a decision promptly after applying and submitting your supporting documents online. Our customers love our speed and transparency.
We could provide a stop-gap allowing you to consolidate higher interest short term loans over a more manageable period. Remember you can repay your Cashwise loan early and save money - no extra fees - no questions asked. We are on your side.
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Important information about our loans
Our Loans are $500 – $3,000, usually over a 3-12 Month Term
AIR / APR (Annual Interest Rate) Our AIR goes up to 49.45% per annum. An Establishment fee of $90 applies. IMPLICATIONS OF NON PAYMENT: To avoid additional costs please repay your loan according to agreed terms, however where a non-payment (or other default) occurs the following applies; Default Fees: A fee of $10 applies to each missed or failed payment. A fee of $5 applies for each reminder letter. Other Costs: Any additional charges or costs are set out on our Cost of Borrowing section. Collection Practices: We undertake collection of our loans in accordance with legal requirements and industry standards and will promptly contact you should you miss a payment date. Credit Score Implications: A repaid loan should positively influence your credit score. However a missed payment, failed payment or unpaid loan is likely to negatively impact your credit score.
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