We're an innovative lender that utilises many years of experience in the financial services industry to deliver a range of products sought after by customers from all over New Zealand and Australia. We offer revolving credit facilities to people in a wide variety of circumstances to suit their individual situations.

We have an unwavering focus on technology and innovation. We get that people want answers quickly, so we strive to constantly improve our processes to give you the fastest, easiest and most hassle-free way to access cash. Responsible lending checks apply. Got some feedback that can help us with that, let us know here.

We've made accessing cash so easy! With Wallet Wizard you can apply for as little as $500 or as much as $8000. As you pay off your account balance and credit becomes available, you can apply to access more cash in just a few quick steps via our online Members’ Area!

We welcome all applications because we think everyone should be able to apply to get cash fast. Go on, apply online with Wallet Wizard and get a super-fast decision!

We welcome applications from everyone. If you're approved, you will be offered an amount with estimated repayments to suit your financial circumstances.

We want to help as many people as we can. If you're a discharged bankrupt, you may still qualify for a Fast Cash. Apply online for a fast response.

Wallet Wizard offers credit limits from $500 to $8000. We assess how much you’re eligible for based on your situation and income. 
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To apply all you need is:

• Your internet banking details
• Two types of identification (choose from your driver licence, passport or NZ Automobile Association (NZAA) membership)
• Your bank, branch and account number (so we know where to deposit your cash)
• Plus all the usual stuff like your name, date of birth, address and employment information and details of your other loans and expenses.

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Wallet Wizard is a responsible lender, so yes, we perform a credit check. But don't worry, we take all of your information into account when making a decision, so if your credit history is a little shaky, don't despair.

Apply for fast cash with Wallet Wizard now to see if you qualify.

By supplying them electronically (the step that asks you to input your internet banking credentials) our decision engine can do all of the hard work.

The provider of the electronic statement service, illion Open Data Solutions, doesn't pass your account log-in details on to us and we don't have the ability to do anything else to your accounts once you've had your statements sent to us. Rest assured, this is just a service that saves you the hassle of doing it the old-fashioned way. More information about use of illion Open Data Solutions is contained in our Terms and Conditions.

From time to time our team need to perform a few extra checks. Don't worry, these checks help us comply with our commitment to being a responsible lender and we will only do them if they are needed to get your application fully assessed. Log-in to the Members' Area to see an update on the progress of your application.

Sometimes, employers want you to let them know that you're OK with us confirming information needed to complete our assessment. That's all.

A credit limit is the maximum level of credit we agree to make available to you under a contract with us. This amount is based on your requirements and objectives and our assessment of your situation and income.

Available credit is the difference between your credit limit and your current account balance. Your current account balance is the amount owing to Wallet Wizard. 

You don’t always have immediate access to your available credit. This may be because:

• The amount you have requested is less than the Minimum Redraw Request Amount (this is the lower of $500 or 25% of your credit limit)
• You have made a repayment recently and the funds have not yet cleared
• There has been a material change in your financial circumstances
• We judge that you may be experiencing financial hardship.

You can log in to the Wallet Wizard Members’ Area any time to see if you’re eligible to apply to access your available credit. Once you’re eligible, all you have to do is submit a redraw application via the instructions in the Members’ Area. It’s super-fast and easy!

We lend up to $8000. You can log in to the Wallet Wizard Members’ Area anytime to see if you’re eligible to apply to increase your credit limit. If you are eligible, you can apply by following the simple instructions in the Members’ Area for a fast decision.

Log into the Wallet Wizard Members’ Area to see if you’re eligible to apply for Fast Cash. Responsible lending checks apply.

We assess how much you’re eligible for based on your situation and income. We will either approve your request or offer an amount that is right for you. Contact Us if you have any questions.

Wallet Wizard takes a bunch of information into account when making a decision. Unfortunately we can't always provide you the exact reasons that your application resulted in a decline. However, if your situation changes, you can still log-in to the Members' Area and apply again to see if you qualify.

There are no nasty surprises. Check out our fees here. Everything is laid out in your contract so you’ll always know exactly what to expect.

Your minimum repayment amount is determined by your approved credit limit. You can look at example repayments on the Costs page to see what you can expect to repay each week, fortnight or month based on the credit amount you select.

To make sure you’re prepared, we will notify you of your minimum repayment via SMS and by emailing your statement to you 3 days before your payment is due to be debited from your nominated account, so make sure you check your email and keep your phone handy.

Don’t forget, you can make extra repayments whenever you want to pay off your balance faster.

You don’t need to worry about a thing. We’ll set-up automatic repayments either weekly, fortnightly or monthly by direct debit that coincide with your pay cycle. The money will come out of your bank account on the day that repayments are due.

You can also make additional repayments whenever you want to pay off your balance faster.

At Wallet Wizard we pride ourselves on being open about how much you need to pay. The annual variable interest rate for new loans effective 30/01/2019 is 47.8%

Your repayments are due on the date shown on your statement. Your statement will be sent according to your Statement Cycle shown in your Loan Schedule. This date is usually the day you receive your pay.

We’re here to help you, not stress you out! Everything is set out clearly in your Loan Schedule. Apply for easy and flexible Smart Cash with us today.

Simply contact us in advance so we can work with you to get it sorted out. If the repayment becomes too overdue, we might place a default on your credit file. This could remain there for up to 5 years. Heavy stuff right? That's why it's best to make sure you make your repayments on time. If you do get into trouble, it's always best to contact us to discuss your situation.

It is safest to leave the money in your account on the due date for the whole day.

If your situation has changed and you are experiencing financial difficulty, please let us know as soon as possible so that we can assist you.

We encourage you to communicate with us early, openly and honestly about your situation so that we can offer the appropriate assistance and try to find a solution for your repayment issues.

If you contact us to discuss your situation, we may be able to vary your obligations and help you avoid fees and interest.

If you do not pay and fail to contact us, you may incur fees and interest and your credit record may be impacted. We may also commence enforcement action.

For assistance with financial difficulty, please contact our financial difficulty team on:

We are available to assist you from 9 am – 6 pm (NZST) Monday to Friday.

More information can be found on our Hardship page.

Most major banks will put the funds into your account in under an hour from when we transfer the cash. From time to time it can take a little more (up to 3 hours) but we find it is safest to wait at least 2 hours and check again before contacting us.

No. We don't want to bore you with banking procedures (who has time for that?) but each bank processes our request differently.

The cut off for paying out the money for approved loans is 2:30pm. However, if you missed it today, you'll have the money the next business day.

Just be upfront and honest, keep us up-to-date about your situation and income, and make sure there’s enough money in your account when repayments are due. If you don’t have enough money in your account, contact us before your repayment is due. All of the terms and conditions of your contract are set out for you to read before you agree. You should be sure you understand your responsibilities before you accept. Apply for Fast Cash with Wallet Wizard today.

You will be eligible to apply to access your available credit once it reaches the lower of $500 or 25% of your Credit Limit. You might also be eligible to apply to increase your credit limit. Login to the Wallet Wizard Members’ Area to see if these options are available to you.

We are a responsible lender. Every request for more cash requires us to consider your capacity to pay. Your request to access your available credit may have been declined if we believe your circumstances have changed or you may be experiencing hardship. If you believe you are in hardship please contact us on 0800 480 430 to discuss you situation.

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Wallet Wizard offers a Revolving Credit Contract. This means that unless you request to close your facility, you can continue to request access to your available credit when you need it. Bear in mind some fees and charges may apply. Refer to the Costs page for more information.

Our team members are only too happy to help. You can contact us here and we will do our best to help you find the answer.

Oh no! We try to make sure you’re happy, so please contact Wallet Wizard customer care. Details on how to contact us are here.

Wallet Wizard takes a bunch of information into account when making a decision. Unfortunately we can't always provide you the exact reasons that your application resulted in a decline. However, if your situation changes, you can still log-in to the Members' Area and apply again to see if you qualify.

You are entitled to cancel this Contract by giving notice to us.

Time limits

You must give notice that you intend to cancel this Contract within 5 business days of the Disclosure Date. Saturdays, Sundays and national public holidays are not counted as business days.

How to cancel

To cancel, you must give us written notice that you intend to cancel this Contract by:

(a) giving notice to us or an employee or agent of us; or
(b) posting the notice to us or an agent of us; or
(c) emailing your written notice to us at hello@walletwizard.co.nz; or
(d) posting your written notice to us at Wallet Wizard, PO Box 83000, Johnsonville, Wellington 6440

You must also return to us any advance or other property received by you under this Contract.

What you may have to pay if you cancel

If you cancel this Contract, we can charge you:

(a) the amount of any reasonable expenses we had to pay in connection with this Contract and its cancellation, (including legal fees and credit report fees, etc.);
(b) interest for the period from the day you received the advance until the day you repay the advance.

This statement is only a summary of your cancellation rights and obligations. If you want more information, or if you think that we are being unreasonable in any way, you should seek legal advice immediately.

If you’ve recently changed banking details, contact details, or moved house, simply get in touch with our team on 0800 480 430, or email us at hello@walletwizard.co.nz.