Any questions?

Who is Wallet Wizard?

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Wallet Wizard is part of the Credit Corp Financial Solutions family. We are an innovative lender that utilises its 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 loans to people in a wide variety of circumstances to suit their individual situations.

Why is the Wallet Wizard process so fast?

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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 apply for a loan. Got some feedback that can help us with that, let us know here

What makes Wallet Wizard different?

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Not only are we fast. We offer our loans differently. You can borrow as little as $500 or as much as $5,000! Not only does our technology allow us to provide very fast decisions, but our people ensure you get the answers you are looking for and that additional level of customer service that sets us apart from the rest. Oh, and our rates are very competitive - check it out

Do I qualify?

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

Can I borrow if I am on government benefits?

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We welcome applications from everyone and use our clever loan engine to work out if a loan will be approved. Approved customers are offered a few loan alternatives so you can select a repayment amount which works for you.

What if I'm bankrupt?

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We want to help as many people as we can. If you're a current or undischarged bankrupt, you may still qualify for a loan. Apply online for a fast response.

How much can I borrow?

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Wallet Wizard offers loans from $500 to $5000. We assess how much you’re eligible for based on your situation and income. Apply now to see a range of loan amounts and repayment scenarios.

What do I need to get started?

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All you need to get a fast cash loan is:
 
• Your internet banking details (if you want a super-fast decision) or bank statements that cover at least the past 90 days
• Two types of identification (choose from your driver licence, passport number or NZAA Automobile Association membership)
• Your bank and branch code and account number (so we know where to deposit your money)
• The details of any credit contract you may have repaid in the last 90 days
• Plus all the usual stuff like your name, date of birth, address and employment information and details of your other loans and expenses.

Apply now.

Are there any credit checks?

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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 a Wallet Wizard loan now to see if you qualify.

Worried about supplying the information to us?

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The provider of the electronic statement service, Yodlee, doesn't pass your account log-in details on to us, we don't store them 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. For more information about use of Yodlee is contained in our Terms and Conditions.

Why supply my statements electronically?

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You can supply your statements manually if you like, but this just means that your application may take longer than normal. 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. If you supply them manually, one of our team members will have to help the decision engine a little bit and that can delay how quickly we can give you an answer. 

Which loan type should I apply for?

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It really depends on what you are looking for. We don't know what you would like to borrow or what you want the money for until you tell us. We process your application and if you are approved we will tell you the amount that we have decided you can borrow up to. We even offer you a few amounts in most instances so that you have some choices. We won't offer you a loan greater than the amount you've applied for unless you tell us that you wanted more before final approval.

It looks like it is taking more than a few minutes, what is going on?

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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. Also, if you have supplied your documents manually, it can take longer too... Log-in to the Members' Area to see an update on the progress of your application.

Why have I been asked to contact my Payroll?

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

How much does it cost?

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There are no nasty surprises. Check out our easy-to-understand fees and charges page here.

How do I make loan payments?

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You don’t need to worry about a thing. We’ll set-up automatic repayments by direct debit. The money will come out of your bank account on the day that payments are due.

What is the Interest Rate?

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For loans of $2000 or less, an Annual Interest Rate of 75% applies to the loan.

For loans over $2000, an Annual Interest Rate of 36% applies to the loan.

Is there any fine print or hidden costs?

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We’re here to help you, not stress you out! There’s no fine print or hidden costs. Everything is set out on our list of fees and charges. Apply for an easy loan with us today.

What if I miss a payment?

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If you get in touch before your payment is due and make appropriate arrangements to make that payment, you won't have to pay a late payment fee. Simply contact us in advance. But if we don’t hear from you before your payment is due and you aren’t able to meet your repayments, you are probably going to have to pay the full fee. If the repayment gets 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 is best to make sure you make your payments on time. If you do get into trouble it's always best to contact us to discuss your situation.

When does the debit come out of my account?

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It is safest to ensure that you have left the money in your account on the due date for the whole day.

When will I get the money?

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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.

Do all bank accounts receive the money in the same amount of time?

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We've rigorously tested this, and the answer is "no". We don't want to bore you with banking procedures (who has time for that?) but each bank processes our request differently and can take more than a couple of minutes. 

I have been approved for less than I applied for, what does this mean?

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Our decision engine has returned a maximum approval amount of less than what you have applied for... This can happen sometimes.

This just means you will have to decide if the amount you're being offered is right for you and fits what you need the cash for. Ensure you read the contract for the amount you are being offered to ensure it meets your requirements.

I accepted my contract after 3:30pm, will I get the money today?

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The cut off for paying out the money for approved loans is 3:30pm. However, if you missed it today, you'll have the money the next business day.  

After you get your Wallet Wizard Loan

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What am I responsible for?

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Just be upfront and honest 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 payment is due. All of the terms and conditions of your contract are set out for you to read before you agree to the loan. You should be sure you understand your responsibilities before you accept. Apply for a fast loan with Wallet Wizard today.

When can I get another loan?

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Once your loan has been repaid, you can reapply for a loan whenever you need extra cash. You can log-in to the Members' Area at any time to see if you are eligible to apply and how much you can apply for. Alternatively, if you’re a little short on funds, you may be able to top up your loan amount with us.

How can I change my repayments?

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Generally, the repayments are set when you enter the contract. However, from time to time we can consider changing some of the repayment terms. Contact us to find out more.

I forgot my password to the Members' Area, what do I do?

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Click here to reset your password.

I have a question that isn't listed here. What do I do?

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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.

What if I have a complaint?

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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.

Why was I declined?

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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.