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.

Payday loans

A payday loan from SMARTCASH is a simple and convenient way to borrow a small amount of cash for a short term between paydays. Sometimes it doesn’t matter how well you budget; some unexpected expense crops up and it can’t wait until the next time you get paid.

It may be a new tyre for the car, or a vet bill for the dog, or you need to get the vacuum cleaner fixed. A payday loan from SMARTCASH means you can meet this unexpected cost. Taking out a payday loan for a minimum term of 63 days means you can repay it when you get paid.

 

 

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.