Do you qualify
for a
SMARTCASH loan?

To qualify for a loan from us you must be

• 18 years or older
• a legal New Zealand resident
• in continuous, permanent employment for at least 3 months 

You must

• earn at least $400 weekly, after tax, from employment* 
• hold a New Zealand bank account
• have your earnings paid directly into your bank account
• have an email account
• have an active mobile phone
• have no other current loan(s) with another online payday lender**

We communicate with you mainly by email.

*Excluding payments from ACC, Studylink and Work & Income (WINZ).

 ** If you have an active payday loan, you are welcome to apply to us in the future when it's repaid and you get short of funds again between paydays.

You need to

• complete the details on the online application form
• agree that we can undertake a credit check
• agree that we can contact your work payroll manager to confirm your pay details
• provide us with your recent bank statements.