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

Level 1
103 Carlton Gore Road


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

Calculate your cash loan...

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with other specialist online payday lenders.


See if you qualify for a SMARTCASH loan today.


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

Why is SMARTCASH the smarter choice?

SMARTCASH is a specialist on-line provider of short-term cash loans. We offer the cheapest short-term, unsecured, loans available in New Zealand from any lender who specialises in payday loans online. Coupled with our responsible lending criteria, this helps you to borrow money that you are able to repay. Our loans are for a maximum term of 31 days.

How is SMARTCASH different to other lenders?

SMARTCASH's short-term loans are only available online. This makes us different to shopfront lenders. We offer loans from $100 to $500 for a minimum term of 2 days and a maximum term of 31 days. We arrange repayment of your short-term loan to coincide with your paydays, which makes us a specialist provider of payday loans, also known in the market as payday advances or cash advances. Most importantly, SMARTCASH offers the lowest interest rate and lowest overall costs of any online specialist payday lender in New Zealand. This means you pay less for your short-term loan when you take out a payday loan from SMARTCASH.

Why is SMARTCASH so much cheaper?

At SMARTCASH we want you to be able to take out a loan from us that you are able to pay back within the loan period. That's why we offer a daily interest rate of 0.99% on your loan and the lowest overall cost of any online payday lender. See the Compare Our Rates table to see how much cheaper we are.