Rating based on 3 reviews



  • Payday loans up to $500
  • Low-interest up to 361.5%
  • Repayment up to 32 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 among all specialised payday lenders in New Zealand.

With highly experienced senior management and technologically advanced systems, we provide simple and effective cash solutions to people who have difficulties with managing their monthly cash flow. We can help you out quickly and without hassle.

Our loans are unsecured

Our online loan application form takes less than 5 minutes to complete and to submit. You can borrow up to $500 depending on your needs, financial plans and ability to pay. We have a very speedy approval process. You can have access to your cash on the very same day. The money is deposited straight into your bank account.


The SMARTCASH payday loans online range from $100 to $500.

The repayment term is determined by your payday to give you complete convenience and peace of mind. The maximum term is 31 days. We can arrange the making of payments at regular periods. We charge a daily interest rate of 1%. Our loan establishment fee is $15. We run a credit check only when you apply for your first loan. It is $10.

Our loans are paid out quickly

Banks charge $4 for this and this fee is passed on to you. If you arrange a change in the payment amount or date with us, you will need to pay a processing fee of $10. If you find it challenging to repay your quick cash loan, you need to contact us so that we can make alternative arrangements.

SMART CASH Payday loan

  • Loan Type Payday loans
  • Interest Rate 361.5%
  • Loan Amount up to $500
  • Repayment 7 days to 32 days

Benefits of SMART CASH

  • Lower interest rates
  • A fast loan service
  • Quick payday loan payouts

Getting a payday loan is as easy as completing a quick online loan application

SMART CASH in Auckland can provide you with a payday loan to save your budget this month!

A payday advance is a little money advance that brings you through to your next payday when you are a touch short. Perhaps your car needs another tire, the dog needs an urgent visit to the vet, or you have a sudden travel arrangement that needs to be paid for. A payday credit is intended to meet these out-of-the-typical expenses. We are different from other major cash lenders; you don't have to give security to get your payday loan from SMARTCASH.

Quick loan solutions

A payday loan from SMARTCASH is an advance that you know you can reimburse within 31 days, on your next payday. It is not proposed for long term financing. It is more sensible, smaller amounts loaned over a shorter time frame. SMARTCASH offers the most reduced payday advance rates of any online payday credit expert in New Zealand. 

Our application takes 5 minutes to complete

It takes under 5 minutes to complete our simple online loan application. You are an hour away from cash in your banking account! At SMARTCASH we will do all that we can to offer you some assistance with making a decent choice about your loan. As a dependable moneylender, we will only affirm an application where we are satisfied that the credit reimbursements will be sensible and reasonable for you.

When you apply for an instant cash loan with us, we will approach you for evidence of your character and for subtle elements of your salary and existing obligations. We always encourage responsible lending and try ensuring our clients keep their credit records clean.

Keeping a decent financial record makes it less demanding for you later on to obtain cash from all banks or buy products from retailers on lease or contract basis. We run credit checks on our new clients just to see whether you are capable of repaying your debts without any hassles. Contact us today, and get your pay day loan in hours!

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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: FSP241185

Customer Reviews & Testimonials

Not my first payday loan, but certainly my best. Lowest interest rate I have been offered. Everyone should make use of them when needed.

Tony A
— Christchurch —

I received an incredibly low-interest rate on my unsecured loan, I am very satisfied.

Frederick S
— Rotorua —

I like Smart Cash for the low rates, I wish the terms could be a bit longer though.

Allen C
— Nelson —


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