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.


We like to make applying for payday loans as easy as possible for you. We do, however, have some basic criteria that you must meet if you wish to apply for a payday loan from us:

You must be 18 years or older, proof of this can be seen when we receive your valid photo ID along with Photo ID Selfie.

You must be a NZ resident or citizen, if you do not have NZ photo ID, you will need to provide a copy of your residency visa.

  • You need to have been permanently employed with the same employer for at least 3 months;
  • You need to be earning at least $500 a week (after tax);
  • Your pay needs to be credited on a regular basis into your own NZ bank account that has been open for at least 3 months;

You must currently not be Bankrupt, under a Summary Instalment Order or No Asset Procedure.

Please note this is a guide only – in certain circumstances we may not be able to offer you a loan.

Ready to get started?

How it Works

Simple application process

Simply start filling in the application form by clicking the Apply Now button.

Meeting the basic loan criteria is essential, from there we will verify the information in your application, so please ensure you fill out the form correctly and truthfully so we can quickly and responsibly process your loan.

Please double check all your details when submitting your application form as some of the reasons we may decline a loan include:

  • Incorrect contact details
  • Incorrect bank details
  • Inaccurate salary declared
  • Requested proof of income not provided

Borrowing is made easy with our 3-Step Process!

The whole application process is done online. You can apply for $500 – $5,000 for up to 3 – 24 months.

Our application process is easy and accessible on any device at any time. Simply start filling in the application form by clicking the Apply Now button. 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.

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


  • At least the latest 90 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

Our Lending team will process your loan application swiftly once we have received your supporting documentation.

If the loan is approved, we will notify you and then transfer your funds to your NZ bank account overnight.


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!