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.

3 months24 months
Total Repayment:
Weekly Instalments*:

* Repayment amounts are indicative only based on Annual Interest Rate of 49.95%, 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 $5000, 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.

Flexible repayment options

Choose a couple or several instalments with easy direct debit authorisation.

Fast decisions

We provide fast decisions after receiving all correct documentation.

Unsecured Personal Loans

You don’t have to put any assets like your house or car against your loan.

Ready to get started?

Quick Application

Fast Outcomes

Fast Money Transfer

Apply for fast and convenient loans

Hassle-free loans

as simple as 1..2..3It is easy to manage and track your online account. Our easy and simple online loan process can be accessed anytime, anywhere. It also saves you from the hassle of printing, signing and faxing.

Paperless Process

Scan & Send by emailYou do not have to fax any supporting documents. Just scan and email us, it's fast and convenient!

Lender you can trust

Positive borrowing experienceCashwise is fast, secure, and convenient. We provide an excellent borrowing experience to New Zealanders who recommend our services.

Suitable for almost everyone

We will try to help, if we can.We partially assess your application based on affordability and your ability to repay our loan. Borrowers with past bad or no credit history may still be eligible to apply of course our responsible lending criteria must be met.


No surprises. No Hidden FeesLimited fees apply and are specified clearly, there won't be any unexpected charges. We also don't charge any fees on direct debits and early loan repayments. We encourage early repayment of our loans.

Time saving

Speedy processingSave time and costs on travelling to a bank or lending office. Our experienced and professional lending team will endevour to process your request quickly.
Important information about our loans

Our Loans are $500 – $5,000, usually over a 3-24 Month Term
AIR / APR (Annual Interest Rate) Our AIR goes up to 49.95% per annum. An Establishment fee of $125 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.

Need more help?

Please contact us
 See our FAQs

See answers to common questions on how to use our services

 Live help

Questions? We'd love to chat!
We're online Mon to Fri  8:30am - 4:45 pm

 Call us

Anytime during business hours.
Mon to Fri 8.30am – 5.00pm.
0800 227 484