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.

Bad credit loans

One of the most important things you should safeguard in your working career is your credit record. Your credit history helps lenders determine if you are a good risk for hire purchase, business borrowings, mortgages and other types of loan.

You earn a good credit record by taking out a loan and repaying the money on time. You earn a bad credit record by failing to repay it when the repayment is due. This is called defaulting on a loan.

A payday loan is designed to help you out between paydays when you are caught short with an unexpected expense. It is not intended to be a loan product of last resort. At SMARTCASH we do not believe that payday lenders should be in the business of ‘bad credit loans’. You should not be taking out a payday loan because no one else will lend you money.

You take out a payday loan because it gives you access to small amounts of cash much faster than other types of loans, and you pay a higher rate of interest accordingly.

If you find yourself continually struggling to meet basic ongoing household expenses between paydays you may benefit from seeking budgeting advice. Such services are freely provided by
Citizen’s Advice Bureau


See if you qualify for a SMARTCASH loan today.


It is fast and efficient with quick approval, subject to responsible lending checks.

What a loan from SMARTCASH costs you

At SMARTCASH we offer short-term loans online from $100 to $300. We arrange repayment of your loan to coincide with your paydays.

Our daily interest rate is 0.134%. This amounts to an Annual Percentage Rate (APR) of 49%, though you never pay that as these loans are only for a maximum of 31 days. We charge a $55 establishment fee and a $5 fee for each payment processed. For other fees (if applicable), see What it costs.

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 charged a default fee. You will continue to be charged interest of 0.134% 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.

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.