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.

Payday advance

A payday loan is a short-term cash advance that you can borrow between pay cheques when you are caught short.

A payday loan is also known in the market as a payday advance or cash advance.

A payday advance is for less than 31 days and, with SMARTCASH, you can pay it back as quickly as you like.

The best part is it’s easy. You can apply online and know within one hour if your application for a payday advance is approved, during normal business hours. You can have your money in your account today if your loan is approved before 4.30pm on a business day.

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.

What a loan from SMARTCASH costs you

At SMARTCASH we offer short-term loans online from $100 to $500. We arrange repayment of your loan to coincide with your paydays.

Our daily interest rate is 0.99% . If annualised, that equates to an Annual Percentage Rate (APR) of 361.5%, though you never pay that much as our loans are only for a maximum of 90 days. See the table above to compare us to other payday lenders’ rates. We charge a $25 loan establishment fee.

You pay nothing more to get your cash in your account on the day after your loan is approved.

We also offer cash in your bank account on the same day. However, we charge $10 for this service.

When you borrow from us, you must repay your loan within the number of your pay periods that you select. If, for any reason, you are having difficulty making your repayments it is important that you contact us as soon as possible to discuss further arrangements for your loan.

If we do not hear from you and you do not repay your loan on the agreed terms, you will be in default of the loan. You will be charged interest of 0.99% per day on the outstanding principal sum and fees, from after the loan expiry date until the loan is repaid in full. See our Terms and Conditions.

You must repay all outstanding amounts before you can apply for a new loan from SMARTCASH.

To help protect your good credit record it is very important that you repay our loan in full. Keeping a good credit history makes it easier for you in the future to borrow money from all lenders or purchase goods from retailers on lease or hire purchase.