Tel 0800 222 465
9am to 5pm,
Mon to Fri

admin@smartcash.co.nz

Level 1
103 Carlton Gore Road
Newmarket
Auckland

WE RESPECT YOUR PRIVACY

We communicate with you only by your personal email to process your application for a payday loan.

How it works

New Customers

STEP 1

You fill out the online application form.

You stay on our site and your loan documents will appear on your screen within a minute or so.

You sign the documents using our bank-approved secure electronic signature.

STEP 2

You leave our website and go straight to your email inbox.

You receive an email with your copy of the loan document.

You also receive a second email from us straight away asking you to confirm your email address.

You reply to this email confirming your email address to complete the application process.

STEP 3

We receive your loan documents.

We send you an email requesting your past two months' bank statements, up until the date of your application. 

We run a credit check. If you have poor credit, we may offer you the option of repaying your loan via payroll deductions. 

We check your current employment and pay details. Please let your payroll know that we will be contacting them - this will speed up the process. 

STEP 4

We advise you by email if your loan is approved within 60 minutes of receiving your signed documents. This is subject to us being able to quickly confirm your pay details.

We may ask you by email for additional information, depending on your credit history.

STEP 5

We approve your loan.

We transfer the money to your bank account.

 

 

Returning Customers

STEP 1

You fill out the online application form.

We email you a copy of your completed loan documents.

STEP 2

We receive your loan documents and review your application.

STEP 3

If you have not changed your bank account and employment details, we advise approval of your new loan within 15 minutes.

If your details have changed, we advise you by email if your loan is approved within 60 minutes of receiving your signed documents. This is subject to us being able to quickly confirm your pay details.

STEP 4

We transfer the money to your bank account.

Cash today

If we approve your loan before 3.30pm on a normal business day, you can receive the money in your account on the same day. This depends on your bank transferring the money straight away into your account and this should happen with all of the major trading banks in New Zealand.*

The fee for this service is $10, which is added to your loan. 

*Please note that certain credit unions do not allow same day payment. If you are unsure as to whether your bank does, please contact them for confirmation of their same-day payment policy.  

Cash tomorrow

If you can wait, the cash will be in your account the next day. There is no charge for this. 


Repaying your loan

Payments are usually made direct to us from your bank account on your paydays. Sometimes, however, we might ask you to make payments directly to us, or for your payments to be automatically deducted from your wages, by your employer. 

If you are paid weekly, you can elect to pay us back on your payday for up to four paydays.

If you are paid fortnightly, you can pay us back on two paydays.

Or you can make one repayment at any time before the 31 days is up.


COMPARE OUR RATES

with other specialist online payday lenders.

SEE IF YOU QUALIFY

See if you qualify for a SMARTCASH loan today.

APPLY NOW!

It takes less than 5 minutes. You are 60 minutes away from a cash loan approval.