Rating based on 19 reviews


  • Payday loans up to $500
  • Low-interest up to 361.35%
  • Repayment up to 31 days

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Author SMART CASH. Screenshot of SMART CASH website.
[Accessed April 17, 2018]

Smart Cash - Payday loan specialists

Smart Cash is the fastest, smartest way to get the cash you need as quickly and as simply as possible. We specialize in online payday loans.

Apply online via our website 24 hours a day for loans between $100 and $500 for up to 31 days or until your next payday.

The payment will be deducted directly from your account in one easy payment on your next payday. Smart Cash is a proudly New Zealand-owned and runs Company and we offer the lowest interest rates and the lowest charges.

An interest rate you can afford

Smart Cash offers loans with an interest rate that you can afford that start at as little as 0.99% per day. We charge a once-off establishment charge of $25. Complete the online loan application form and receive an outcome.

Once your application has been approved the funds will be transferred to your account on the very same day for a small fee of only $10 or the very next day if you don’t pay and clear.

These are the criteria that you need in order to qualify

  • You must be 18 years old or older to apply
  • You must be a resident and citizen 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 that the money can be paid into
  • Provide 3 months bank statements

If you have any current personal loans that are outstanding or if you are under debt review, we won’t be able to assist you.


You will need to complete the online application form and consent to a credit check so we can determine your affordability. During the verification, process, we will contact your employer to confirm employment.

If you have bad credit you will still be able to apply for a bad credit loan.

A bad credit score makes it very difficult to obtain a loan from traditional lenders, so our payday loans are the perfect solution.

Apply for a bad credit loan by following these 5 easy steps

  1. Complete the online loan application on our website and consent to a credit check
  2. You will receive an e-mail with the details of your loan contract. You will receive a 2nd e-mail asking you to confirm your e-mail address.
  3. Send us a copy of your past 2 month’s bank statements then we will run a credit check and contact your employer to verify your details
  4. You will receive an outcome on your payday loan application via e-mail within 60 minutes. Sign the agreement online and send it back to us.
  5. The money will be transferred directly into your account as soon as we receive the signed contract

Repeat clients it will find that it is even easier to obtain a short-term loan the second time around.

Once you prove that you can make your payments on time and that you are a loyal client, you may qualify to borrow more money in the future.

SMART CASH – Payday loan

  • Loan Type Payday loans
  • Interest Rate 361.35%
  • Loan Amount up to $500
  • Repayment 2 days to 31 days

Benefits of SMART CASH

  • Interest rates are lower
  • Fast cash payout
  • Easy and simple online application

Payday loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

Smart Cash - You can fix your credit score

A payday loan gets its name because this type of loan needs to be repaid by your next payday. The payment is debited from your account on the agreed-upon date.

A payday loan is a perfect solution for when you need extra cash to make it until payday. The only disadvantage is that the full amount needs to be paid back on your next payday. This can sometimes lead you deeper into debt, especially if you were already struggling in the first place.

Helping you make sense of your credit report

Understanding your credit report is very important and you should make sure that you have looked at your credit report and understand it before you apply for a loan. Every time you apply for an online loan or open a credit account your credit report will be checked.

In New Zealand, there are 3 different companies that you can contact to get a free credit report for free.

  • Centrix
  • Dun and Bradstreet
  • Equifax

Your credit report contains information that details your payment history, including information on your credit cards, mortgages; car financing, hire purchase, or any outstanding debt and defaults. The report will also list financial information on payments for your electricity, gas, and your phone.

When you check your credit report, this won’t negatively impact your credit score. Any errors that you find should be reported immediately so that they can be rectified.

Long-term effects of bad credit

Once you have a bad credit score it can be difficult to obtain loans, if you default on a payment it will be listed in your credit report, and even once you have settled the dispute.

This information will be recorded and will remain on your credit report for up to 5 years. Your credit score is a number that is given to you according to how much of a risk it would be to grant you a loan and how likely you are to repay the loan without any issues.

man holding thumbs up

SMART CASH is a trusted & reliable provider of payday loans

In our review, SMART CASH adheres to the compliance criteria in accordance with the Credit Contracts and Consumer Finance Act 2003, where the granting the loan will not cause financial distress to the consumer.

SMART CASH is a registered credit provider in New Zealand: FSPFSP 241185

Customer Reviews & Testimonials

When I called the call center, I was able to reach a consultant easily. Furthermore, he was very friendly and efficient in assisting me with my payday loan inquiry.

Kelly S
— Invercargill —

My rate was highly competitive; I’m very satisfied.

Anthony D
— Hastings —

They processed my application so quickly. I knew the outcome after 1 hour!

Maria B
— Napier —


Physical Address

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 –