Rating based on 30 reviews

Smart Cash

Updated April 4, 2022

Low-interest starting from 361.35%
Payday loans up to $500
Repayment up to 32 days

In-page navigation

Author Smart Cash. Screenshot of Smart Cash website. [Accessed May 23, 2018]

About Smart Cash

With Smart Cash, you can apply for an instant loan at any time of the day for 7 days a week.

Whether you're using a mobile phone, tablet, or PC, you can now apply for a loan online in a matter of minutes from the comfort of your home and have your application processed within hours. Don’t waste time trying to convince your bank manager to give you a loan, apply for a loan at Smart Cash today.

Be in control of your expenses

Do you feel like you have lost control of your expenses? Are you looking for an affordable short-term loan online? Smart Cash offers flexible credit solutions designed to meet any short-term financial need that you may have. Don’t delay your victory, apply for a loan online today and get ahead of those expenses!

Why choose Smart Cash

Smart Cash provides a professional service that has been established for over 30 years, with senior management experience in the New Zealand banking and finance sectors. Their customer service team is there to help you each step of the way.

What Smart Cash can offer you

They offer fast loans of between $100 and $500 at an annual interest rate of 361.35%.

Once you make your online loan application, Smart Cash will process it and thereafter it can be approved within just 60 minutes. Their loan terms are ideal for short-term needs such as an emergency.

Excellent customer service

With a passionate and energetic team of consultants, they can now offer each customer the special and personalized assistance that they deserve. When you apply for a payday loan with Smart Cash, they will assign a consultant that will take care of all your needs from start to finish.

Smart Cash - Payday loans

Smart Cash loans are much cheaper than many other payday loans. Make sure you fully understand all the charges of a loan when you consider borrowing from payday lenders.

At Smart Cash, they care about their customers, and despite being online; their team is there to help you.

Smart Cash Product Details

Loan Type Payday loans
Interest Rate from 361.35%
Loan Amount up to $500
Repayment 7 days to 32 days
Decision 1 hour

Applying for your Loan Online with Smart Cash

Don’t feel frightened by the thought of filling out a loan application. Smart Cash has made it as simple, quick and stress-free as possible.

They won't ask you to provide your life's story or send them a mountain of documentation - all you need is your photo ID and a 3-month bank statement to apply.

Making repayments

From taking out the loan by filling in the online loan application to making your monthly instalments, their services are easy, short, and completely automated. Your payday loan repayments will automatically be deducted from your account via direct debit.

Cheaper lending with lower rates

Smart Cash can freely boast about its financial products, which are not only better than that of many competitors but their products are also a lot cheaper.

After conducting a detailed survey, they found that their daily interest rate is considerably lower than that of other online payday lenders. You are welcome to view their online comparison table to keep an eye on and ensure that they are still living up to their promise.

The money that you save on interest can be used to repay the loan faster but it can also be used to finance the things that you love in life. You deserve to be happy and Smart Cash is there to help you become happier.

Calculate your way into a brighter future

Since deciding on a loan can be a difficult process, Smart Cash has developed an online loan calculator to assist you in determining which loan option is most suitable for you.

It also allows their customers to see how much their monthly repayments will be by which you can decide the frequency of repayments as well as the highest possible affordable repayment amount. Simply make use of Smart Cash's online eligibility checker while you are at it. The outcome of this test will not affect your credit record whatsoever.

Smart Cash is a trusted & reliable provider of payday loans

In our review, Smart Cash adheres to the compliance criteria in accordance with Credit Contracts and Consumer Finance Act (CCCFA), where the granting the loan will not cause financial distress to the consumer.

Smart Cash is a registered credit provider in New Zealand: FSP241185

Customer Reviews & Testimonials

_“

September 2020

When I was looking for a lender to help me out of a tight financial spot my brother told me about Smart Cash. Thank you for teaching me how to better manage my finances.

Julia S
— Dunedin —

January 2020

I was surprised by the amount of flexibility surrounding the various loan options particularly the options of how frequently repayments should be made. Thank you for allowing me to take control o...

Steven M
— Marco —

March 2020

This evening I sat down with a cup of tea and, after five minutes, the entire process was already on the roll. That is efficiency that I can agree with!

Duncan M
— Waikawa —

August 2021

When I was looking for a lender to help me out of a tight financial spot my brother told me about Smart Cash. Thank you for teaching me how to better manage my finances.

Julia S
— Dunedin —

February 2021

I was surprised by the amount of flexibility surrounding the various loan options, particularly the options of how frequently repayments should be made. Thank you for allowing me to take control.

Steve M
— Dunedin —

January 2022