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.

In a Nutshell

  •  Loan minimum NZ$100
  •  Loan maximum NZ$500
  •  Interest rate 361.35% per annum
  •  Loan term minimum 7 days
  •  Loan term maximum 32 days
  •  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 have 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.

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

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 –