Payday loans online
A payday loan is a small cash loan that helps to carry you through to next payday when you are a bit short. Sometimes you have an unexpected expense; sometimes it’s an emergency. The important thing about a payday loan is that it’s a manageable amount that you are able to repay when you get paid.
SMARTCASH specialises in payday loans online, and our loans are only available to our online customers.
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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.