Rating based on 61 reviews


  • Short-term loans up to $500
  • Low-interest up to 361.35%
  • Repayment up to 32 days

In-page navigation

Author SMARTCASH NZ. Screenshot of SMARTCASH NZ website.
[Accessed March 3, 2023]


SMARTCASH offers the most affordable short-term loans in New Zealand.

It's that simple. If you want to have the cash which you require easily and quickly and to generate savings as well, you can use our professional finance service. It is based on more than 25 years of senior management experience in the financial and banking sector of the country.

We have expertise that you can trust

Our lending policy is based on transparency and responsibility. We have a 5-minute online application and super fast approval process. We are also able to assist people with bad credit. Under certain conditions, you can have the cash in your bank account on the same day that you apply. It pays off to work with us.


With SMARTCASH, you can get a short term loan up to $500 to meet your emergency cash needs instantly. We have the lowest payday loan rates among the specialists in New Zealand.

We charge an interest rate of only 1% per day

Our maximum repayment term is 31 days, but you can choose a shorter one to save on interest. We have a loan establishment fee of $15. We charge a credit check fee of $10 when you first apply to us only. We have a fast online application process with the application taking only 5 minutes to complete. If your loan is approved before 3.30pm on a business day, you can have the cash deposited in your account on the same day. Banks charge a $4 fee for this and it will be transferred to you.

SMARTCASH NZ – Short-term loan

  • Loan Type Short-term loans
  • Interest Rate 361.35%
  • Loan Amount up to $500
  • Repayment 7 days to 32 days

Benefits of SMARTCASH NZ

  • Lower interest rates
  • A fast loan service
  • Quick short-term loan payouts

Short-term loan calculator

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

SMARTCASH NZ has a short term loan solution to keep you afloat

We lend you from $500 straight into your banking account within 24 hours of your application.

You are an hour from money in your bank account!

SMARTCASH is an online supplier of quick loans. We offer inexpensive short-term, unsecured, accessible in New Zealand. Combined with our capable loaning criteria, this helps you to find a loan online that you can repay in a time frame that suits your budget.

How is SMARTCASH different from other microlenders?

Our short term loans are completely online, we offer our customers cash from $100 upwards, depending on your credibility and what you can afford to pay back.

SMARTCASH offers some of the most affordable fees of any online cash loan in New Zealand. If you are over eighteen years of age, live in NZ, and have a full-time job, you should be able to qualify for one of our short term loans without any hassles. We do our best to keep your loan within your financial specifications, allowing you to pay off your term easily, and still have money in your back pocket to enjoy the normal luxuries in life. Apply online today and get instant approval, and cash in your account within another few hours.

It’s simple, quick and adaptable to your specific needs

We can set up a direct instalment deduction to make life even more simple and beneficial for you. This means you don’t have to worry about making your payments on time; we will automatically deduct the amount for you. Once you become a client, getting another loan further on down the line will be a lot easier and even quicker.

Let us help you get the cash you need when you need it

Check whether you meet all requirements for a SMARTCASH loan today. It takes under 5 minutes.

man holding thumbs up

SMARTCASH NZ is a trusted & reliable provider of short-term loans

In our review, SMARTCASH NZ 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.

✅ SMARTCASH NZ is a registered credit provider in New Zealand: FSP241185

Customer Reviews & Testimonials

Easy to use the website and my loan was approved in minutes.

Francesca E.
— Rotorua —

Pleasantly surprised with the service from my consultant; he was so helpful and made sure my loan was approved within an hour.

Meerab H.
— Auckland —


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