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.

Cash loans NZ

There are lots of options for obtaining a small short-term cash loan and the easiest and most convenient way is online. When you enter ‘cash loans nz’ into your search engine, you will be confronted with lots of choice and competition for your business.

SMARTCASH is a payday lender i.e. we can provide you with a small cash loan to help to carry you through to next payday. The important thing about a loan from SMARTCASH is that it's a manageable amount that you can pay back when you get paid.

That is why we ask a number of questions when you apply to ensure that a loan with SMARTCASH is suitable and affordable for you.



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 0.134%. 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.