How It Works

Cashwise is quick and easy, as lending should be.
If you’re looking for some extra cash for life’s little expenses - whatever it may be, we can often make it happen.

  • Personal loans – To help cover anything from urgent bills and medical expenses to wedding finances!
  • Debt consolidation - We can help you pay off your higher interest rate debts by rolling them into one simple, easy to manage loan.

Borrowing is made easy with our 3-Step-Process!

1. Online application
The whole application process is done online. You can apply for:

Short-Term from $100 – $1,000.
Mid-Term from $1,000 – $3,000.
Long-Term from $5,000 – $10,000*.

Our application process is easy and accessible on any device at any time. 
Simply head to our home page and select the type of loan that suits you (Short-Term, Mid-Term or Long-Term*). This will take you to our simple online application form. Fill in what term and amount you’re looking for, your details and click submit!
You will then receive an email outlining the short set of documents we require to process your application.

2. Send us your supporting documents

You can fax, or scan and email the following to us:

  • Latest 90-180 days of bank statements
  • Valid Photo ID (Passport, NZ Driver's Licence or Firearm’s Licence)
  • A selfie of you holding your Photo ID (see our guide here)
  • Proof of address (less than 3 months old)
  • Any other document we may request to be able to validate the information provided by you

3. Processing and loan decision

Our Lending team will process your loan application swiftly once we have received your supporting documentation. We aim to complete this within the hour of receiving all of your documents.

If the loan is approved, we will notify you and then transfer your funds to your NZ bank account overnight (if accepted before 4.30pm in order for us to process it in time for that night’s payment cut-off time).

We do have a 30 minute fast payment option but this is currently only available on our Short-Term loans. Conditions and a small fee apply to this option if selected.


We set up automatic direct debits aligned to come out on your payday/s, for your convenience.  
You can also choose to repay your loan early at no extra cost – just contact us to organise this with us!

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