Rating based on 1,484 reviews

Smart Cash

Smart Cash is a Registered Financial Service Provider / FSP241185

About Smart Cash

With us you can apply for an instant cash loan 24 hours a day - 7 days a week.

Whether you're using a mobile phone, tablet or PC - you can apply online in a matter of minutes and have your application processed in hours. Don’t waste time trying to convince your bank manager to give you a loan - apply for a loan with us.

Getting ahead of your expenses

Do you feel like you can never just get ahead of your expenses? Are you looking for an affordable short-term micro loan online? Smart Cash offers flexible credit solutions designed to meet any short-term financial need that you may have. Don’t delay - apply for a loan online today and get ahead of those expenses!

What Smart Cash can offer you

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

Once you make your online loan application we will process and approve your loan in just 60 minutes. Our loan terms are ideal for short term needs such as an unexpected emergency.

Get the service you deserve

With a passionate and enthusiastic team of consultants we are able to offer each and every customer the personalized service that they deserve. When you apply for a payday loan with Smart Cash you'll be assigned a consultant who will take care of all of your needs from start to finish.

Interest Rate

0 % Per annum

Loan Amount



Repayment Term

0 days

0 days

In a Nutshell

  •  Average processing time 1 hour
  •  Online application
  •  Unsecured loan option
  •  Bad credit consideration
  •  Early repayment

Applying for your Loan Online with Smart Cash

Don’t be intimidated by the thought of filling out a loan application because Smart Cash has made is simple, quick and as stress-free as possible.

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

Repaying your payday loan

From taking out the loan by filling in our online loan application to making your monthly installments our services are simple, quick and entirely automated. The payday loan repayments will be automatically deducted from your account via direct debit.

Cheaper lending with lower rates

We are happy to boast that our financial products are not only better than that of many competitors but our products are also a lot cheaper! After conducting a thorough analysis we found that our daily interest rate is significantly lower than that of other online payday lenders. You can view our online comparison table to keep an eye and ensure that we are still living up to our 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 here to help you become happier.

Calculate your way into a brighter future

Since deciding on a loan can be a daunting process we have developed an online loan calculator to assist customers in determining which loan option is the most suited for them. It also allows our customers to see how much their monthly repayments will be and from there decide the frequency of repayments as well as the highest possible affordable repayment amount. Simply make use of our online eligibility checker while you are at it. The outcome of this test will not affect your credit record whatsoever.

Eligibility & Requirements

  •  18 years or older
  •  NZ resident
  •  Employed full-time
  •  Credit check
  •  Bank statements

Other Products & Services

  • Payday Loans
  • Cash Loans
  • Payday Advance
  • Fast Cahs loans

Customer Reviews & Testimonials

Contact Details

 Visit Website Apply Directly


 Physical Address

  • 503/6-8 Heather St, Parnell, Auckland, Auckland, 1052, New Zealand

 Postal Address

  • PO Box 9168, Auckland, 1149, New Zealand

Opening Hours

  •  Monday 09:00 – 17:00
  •  Tuesday 09:00 – 17:00
  •  Wednesday 09:00 – 17:00
  •  Thursday 09:00 – 17:00
  •  Friday 09:00 – 17:00
  •  Saturday Closed –
  •  Sunday Closed –