Cash loans
Banks have traditionally been the port of call when you need cash loans. Banks have moved online to make lending easier, but often they still require security for loans and can take several days or a week to process your application.
Now there are specialist online lenders like SMARTCASH that can provide cash loans to people, without security. Instead, you just have to show that you are in permanent employment, meet our eligibility criteria and have the ability to repay a cash loan without any financial hardships.
At SMARTCASH we can approve your cash loan within one hour and you can have the money in your bank account today, providing you have cash loan approval before 3.30pm on a business day.
SEE IF YOU QUALIFY
See if you qualify for a SMARTCASH loan today.
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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.