SMART CASH

Smart Cash - Quick bad credit loans

Smart Cash is the smartest way to get the cash you need as quickly as possible. We specialize in online loans. Apply online for a loan between $100 and $500 for up to 31 days.

The payment will be debited directly from your account in one payment on your next payday. Smart cash is a proudly New Zealand owned company and we offer the lowest interest rates and the lowest fees.

Smart Cash is a much more affordable loan option

Smart Cash offers bad credit loans with an interest rate of as little as 0.99% per day. We charge a once of establishment fee of $25. The application process is quick and easy.

Complete the online application form and receive an outcome almost immediately. If your loan is approved the funds will be transferred to your account on the very same day for a small fee of only $10.

The requirements to qualify for a short-term loan

• You must be at least 18 years old
• You must be a resident of New Zealand
• You must have steady employment for at least the last 3 months
• You must earn at least $400 per week after tax
• You must have a New Zealand bank account in your name
• You must provide an active e-mail address
• Provide a working mobile telephone number
• Provide 3 months bank statements

If you have any current loans that are outstanding we won’t be able to assist you with a loan. You will need to complete the online loan application form and consent to a credit check. During the verification process, we will need to contact your employer to confirm employment and your salary details.

SMART CASH Services

A bad credit score makes it very difficult to obtain a fast cash loan from traditional lenders. We believe that your past financial mistakes shouldn’t haunt you forever and stop you from obtaining a loan when you really need one.

Apply for a bad credit loan in 5 easy steps

1. Complete the online loan application and sign that you consent to a credit check using the secure electronic signature.
2. Check your email. You will receive an e-mail with your copy of the loan contract. You will receive a 2^nd e-mail asking you to confirm your e-mail address.
3. You will need to send us a copy of your past 2 month’s bank statements. We will run a credit check and contact your employer to confirm your employment.
4. We will send you the outcome of your loan application via e-mail within 60 minutes. Sign the agreement and send it back to us.
5. The money will be transferred directly into your account

If you are a returning customer it will be even easier to obtain a loan in the future. Once you prove that you can make your payments on time you may qualify to borrow more in the future.

Online payday loans

A payday loan is a loan that needs to be repaid by your next pay date. The payment is debited directly from your account. These loans are unsecured loans, but in fact, they are secured by your salary as the money will be repaid automatically.

A bad credit loan is perfect for when you need extra cash to make it until payday. The only disadvantage is that you need to pay the full amount back on your next payday.

This can sometimes push you deeper into debt if you were already struggling in the first place.