Rating based on 27 reviews


  • Bad credit loans up to $1,000
  • Low-interest starting from 0.99%
  • Repayment up to 31 days

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SMART CASH homepage
Author SMART CASH. Screenshot of SMART CASH website.
[Accessed March 6, 2023]


Smart Cash provides you with fast and professional services and a management team with over 30 years of combined and friendly experience in the banking and finance industry.

Smart Cash makes borrowing simple, easy, and quick. They offer the lowest interest rates on their loans compared to any other specialized lender in New Zealand. They have proven to be trustworthy and able to supply the loans you need at any cost.

Same-day cash-out

There is no need for going into stores or banks to make a loan. Today it has been made easier as you can complete an online loan application that does not take more than 5 minutes. Smart Cash has an extremely swift approval process.

They do not require any security and one of the main requirements is to have the ability to pay the loan you are credited. After your loan has been approved, the money will be deposited directly into your bank account.


The Smart Cash bad credit loans are designed to help you go through the month.

They are specially made to cover unexpected expenses and fill gaps in your budget. The bad credit loan online can be used by people with bad credit as long as they are suitable for them. If you are in this situation, you should know that Smart Cash loans will be able to meet your short-term cash needs.

Short-term loans for your bad credit

They are generally not an alternative to the personal loans NZ and credit lines with a longer-term. Similarly, the fact that you have got rejected by other lenders does not mean that you should go straight away for a particular product.

When you have bad credit and take out a short-term loan, you have to ensure that you borrow only as much as you need and that you can pay back the amount plus interest and any other charges.

SMART CASH – Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate 0.99361.35% p/a
  • Loan Amount up to $1,000
  • Repayment 1 day to 31 days

Benefits of SMART CASH

  • Lower interest rates
  • A fast bad credit loan service
  • Quick loan payouts

Bad credit loan calculator

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

SMARTCASH is a great choice when it comes to bad credit loans

Smart Cash is known to stay up to their standards as well as provide the necessary loans to their clients.

They make use of your financial records to ensure that you not only receive the right loan but that you will be able to pay the loan amounts back in due time. Loans for people with bad credit are intended to bail you out between paydays when you are a little low on cash and need to pay for something you want or need, without having to worry too much about your credit situation.

You will be required to provide a decent credit record as well as take out an advance and reimburse the cash on time. You will then get a bad credit record when you neglect to reimburse it when the reimbursement is expected. This is called defaulting on credit.

Get pre-approval for your bad credit loan

At Smart Cash we don't expect you to be perfect, we understand that in today’s economy and busy times, it’s not easy to stay on track financially. In fact, the majority of the population has debt, and a majority of them have bad credit. You are not alone; this is a normal part of life.

While there is a list of banks that does not approve loans to a client with bad credit, Smart Cash is different and tends to jump right in and save the day. They will help anyone who needs a short-term loan.

By fitting the application criteria of being 18 years of age and a permanent resident of New Zealand as well as having a job whereby you are earning a monthly wage, you should be able to get pre-approval in minutes of applying with Smart Cash.

Get instant cash within 24 hours

Their online loan application process is extremely quick and simple. You get to do all the procedures online, without any hustle, and all this takes place in the comfort of your home. Smart Cash turnaround times are unbeatable, allowing you to have cash in your bank account within 24 hours. They will discuss affordable repayment options with you on approval. Now that anyone can get a loan, call them today to inquire how to take the first step.

Benefits of Smart Cash Loans

  • Provides their clients with low-interest rates
  • Ensure you get a fast bad credit loan service
  • Receive quick loan payouts
man holding thumbs up

SMART CASH is a trusted & reliable provider of bad credit 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

Smart Cash was recommended to me by an old friend who was pleased with their service on his bad credit loan, I can see what the hype is about. Good services and affordable loans.

Nicolas W
— Auckland —

Very simple and to the point online application, I was pleased to say I had the funds in my account in under 24 hours.

Alvin B
— Christchurch —


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