Loans of up to $1,000
Quick personal cash loans!


     
Amount:
Duration:
Choose the repayment option that's right for you:


*Repayment amounts are indicative only and will be finalised during your application process. Fees, interest and terms and conditions apply to our loans - refer to our cost of borrowing section for more details.

Loans from $1,000 to $3,000
Consolidate higher interest loans today!

Amount:
Duration:
Choose the repayment option that's right for you:


* Repayment amounts are indicative only, do not include our optional repayment waiver fee and will be finalised during your application process. 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.

Loans from $3,000 to $5,000
Spread the payments for longer!

Amount:
Duration:
Choose the repayment option that's right for you:


* Repayment amounts are indicative only, do not include our optional repayment waiver fee and will be finalised during your application process. 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.

Access to your cash in 3 easy steps

Step Easy application

Online application

Just tell us how much you need and some details about yourself

Simple & Easy. No complex paperwork.

Step Quick evaluation

Quick Processing

Receive a fast outcome

Get speedy decisions after submitting the supporting documents

Step Payment, pronto!

Fast Payment

Quick payment transfer

If approved, get cash deposited overnight, or within 30 minutes* if you choose our fast payment option.


* The 30 minute fast payment option is only available on our 'Break Away' loans. Conditions and a small fee apply to this option if selected.

IMPORTANT INFORMATION ABOUT OUR 'Break Away' LOANS
Maximum Annual Percentage Interest Rate Our annual percentage interest rates range from 511% to 693.5% per annum or approximately 1.40% - 1.90% per day. 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; Fees: A fee of $25 applies to each missed or failed payment. A fee of $7 applies for each reminder letter. Default Interest: Default interest applies to any overdue amount at 104% per annum. 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.

CONTACT INFORMATION
Registered Address: 18th Floor 188 Quay Street, Auckland 1010, New Zealand
Financial Service Provider No: FSP298566 Creditor Registration Name: Zethus Holdings Limited Phone: 0800 227 484

Why choose Cashwise?

Borrowing is made easy and fast at Cashwise           

If you want to borrow from $100 to $10,000*, 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.

Quick Application
Fast Outcomes
Fast Money Transfer

Apply for fast and convenient online loans up to $10,000*.

Hassle-free loans
as simple as 1..2..3
It 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 email
You do not have to fax any supporting documents. Just scan and email us, it's fast and convenient!
Lender you can trust
Positive borrowing experience
Cashwise 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.
Transparent
No surprises. No Hidden Fees
Limited 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 processing
Save time and costs on travelling to a bank or lending office. Our experienced and professional lending team will endevour to process your request quickly.

Why Cashwise could be the best choice for you?

  • Simple application
  • Apply for up to $10,000*
  • Variety of payment options
  • Unsecured Loan
  • Just one payment to deal with
  • Fast Processing
  • Quick Decision
  • No early repayment fees

Manage all your existing loans with ease

 

* Available solely to our Returning clients, on an invitation-only basis and are still subject to standard eligibility, lending and affordability criteria.

Here is what our customers say about our service

Simple Eligibility

  • Be at least 18 years old
  • Be a NZ citizen or resident currently living in New Zealand
  • Be permanently employed with the same employer for at least 3 months
  • Be earning at least $350 a week (after tax) for 'Break Away','Uplift' and 'Taking Flight' Loans, or $800 a week for 'Open Skies' loans*, which is deposited into your own NZ bank account
  • Not be currently bankrupt or similar
  • Have access to the internet and a mobile phone

If you have access to the Internet and a mobile phone - Apply Now!
APPLY ANYWHERE. ANY DEVICE. ANYTIME