Cashwise Loans

Cashwise Personal Loans

Borrowing is made easy and fast at Cashwise. If you want to borrow from $500 to $5,000, 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.

3 months24 months
Total Repayment:
Weekly Instalments*:

* Repayment amounts are indicative only based on Annual Interest Rate of 44.95%, 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.

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.

  • You need to be at least 18 years old and a NZ citizen or resident currently living in New Zealand;
  • 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 are not currently Bankrupt, under a No Asset Procedure or Summary Instalment Order;
  • You have access to the Internet and a mobile phone.

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

Services that put you in control

With our affordable Cash Loans you stay in control and know where you stand. Cashwise’s online cash loans are reliable, safe and secure.

  • Cash Loans $500 - $5,000
  • Simple Online Application
  • Fast Decision

It is simple and fast to submit a personal loan application through our Cashwise’s website and to provide us with your supporting documents.

  • Complete your application online
  • Send supporting documents
  • Application decision

With our affordable Unsecured Loans you stay in control and know where you stand.

  • Cash Advance $500 - $5,000
  • Easy Online Application
  • Fast Decision

Ready to get started?

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