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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Author SMART CASH. Screenshot of SMART CASH website. [Accessed September 6, 2021]


SMARTCASH offers the lowest interest rates on payday loans compared to any other specialised lender in New Zealand.

We have a professional service and a management team with over 25 years of combined experience in the banking and finance industry. We make borrowing simple, easy and quick.

With our loans, you can get a same-day payout

You can apply for a loan online which takes no more than 5 minutes. You do not have to drive to a brick and mortar office and wait to speak to a consultant. We have an extremely swift approval process. We do not require any security. You just need to have the ability to pay the loan which you take out. The money is deposited directly into your bank account.


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

They are ideal for covering unexpected expenses and filling gaps in your budget. They 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 our loans will meet your short-term cash needs.

Short-term loans for bad credit

They are generally not an alternative to the personal loans and credit lines with 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 you take out a payday loan, you have to ensure that you borrow only as much as you need and that you can pay back the principal plus interest and other charges.

SMART CASH Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate 0.99 – 361.35% 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

SMARTCASH is great choice when it comes to bad credit loans

SMART CASH is a standout in Auckland amongst firms offering loans for blacklisted clients.

Your record as a consumer offers financial firms some assistance with determining if you are a risk when offering loans. You acquire a decent credit record by taking out an advance and reimbursing the cash on time. You get a bad credit record by neglecting to reimburse it when the reimbursement is expected. This is called defaulting on a credit. Loans for Blacklisted is 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.

Get pre-approved for a loan with Smart Cash

At SMARTCASH 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, majority of the population has debt, and majority of them have bad credit. You are not alone; this is a normal part of life. However, there are larger banking firms who till not approve a loan to a client who is blacklisted, and this is where we are different. We will help anyone get the short-term cash loan they need. By fitting the application criteria of being 18 years of age, be a permanent resident of New Zealand, and have a job earning a monthly wage, you should be able to get pre-approval in minutes of applying with us.

Get a quick cash loan in just 24 hours

Our online loan application process is extremely quick and simple. All online, you can apply from the comfort of your home or office, whenever you want. Our turnaround times are unbeatable, allowing you to have cash in your bank account within 24 hours. We will discuss affordable repayment options with you on approval. Now anyone can get a loan, call us today, to inquire how you can take the first step.

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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: FSP241185

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