SMART CASH

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.

SMART CASH Services

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 2^nd 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.