Create your smart loan 

Would you like a short-term or mid-term loan?

  • 2 - 30 days
Amount to borrow
$ 400.00
How often are you paid
Weekly Fortnightly Monthly
Duration of the loan
1 week 2 weeks 3 weeks 4 weeks
When is your next pay date?
Loan amount
$ 400.00
Interest and fees
$ 40.95
Total repayment of
$ 700.00
4 repayments of
$ 100.00
  • 63 - 114 days
Amount to borrow
$ 400.00
How often are you paid
Weekly Fortnightly Monthly
Duration of the loan
1 week 2 weeks 3 weeks 4 weeks
When is your next pay date?
Loan amount
$ 400.00
Interest and fees
$ 40.95
Total repayment of
$ 700.00
4 repayments of
$ 100.00


Borrow from $200 to $750

A SMARTCASH loan gives you quick cash when you need it. Just use our sliders to choose your loan and complete the online application.


Quick application process

Applying for a SMARTCASH loan is quick and hassle free. No messy paper work to fill out! 


Cash in your account straight away

Once your loan is approved, we can have cash in your bank account within 60 minutes.


Cheapest online short term lender

With SMARTCASH you get the cheapest loan of any specialist online payday lender. Compare our interest rates. 

Why choose SmartCash

Simple. We have the lowest payday loan rates of any online payday loan specialist in New Zealand.

We provide a professional service based on over 30 years’ senior management experience in the New Zealand banking and finance sectors.

A payday loan from SMARTCASH means:

  • same day access to up to $750 cash*
  • less than 5 minutes to apply online
  • super fast loan approval
  • money deposited straight into your bank account
  • no security required

*If your SMARTCASH loan is approved before 3.30pm on a normal business day, your cash can be deposited in your account the same day. The fee for this service is $10.

If you can wait to get your cash paid into your bank account the day after your loan is approved, you do not pay a fee.

How does it work?


1

You fill out our smart and quick online application form.

2

Complete application process on your computer or mobile. 

3

We process your loan within one hour.

4

We send you confirmation of your loan approval and get the cash into your account.

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