At SMARTCASH we will do everything we can to help you make a good decision about your loan. As a responsible lender, we will only approve an application where we are satisfied that the loan repayments will be manageable and affordable for you.
When you apply for a loan with us, we will ask you for proof of your identity and for details of your income and existing debts. We will also ask to see your recent bank statements.
We do this to ensure that you are borrowing cash that you have the means and capacity to repay within our period.
We may decide not to loan you the money if we believe you would find it a hardship to repay it.
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. We run credit checks on each customer to verify that you have a good payment history.
We provide comprehensive terms and conditions with our loan contract and it is very important that you read these in full so that you have a clear understanding about the documents you are signing, the amount you have to repay and the repayment terms. Our terms and conditions
SMARTCASH is a provider of payday loans i.e. small sums of cash to help you meet unexpected costs between paydays. Payday loans are not intended to be a source of long-term financing. If you are having difficulty meeting basic living costs between paydays, you may benefit from seeking budgeting advice. Information and assistance is freely available from the following agencies:
familybudgeting.org.nz
Citizen’s Advice Bureau
sorted.org.nz
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 less than 112 days means you can repay it when you get paid.
A payday loan is a short-term cash advance that you can borrow between pay cheques when you are caught short.
A payday loan is also known in the market as a payday advance or cash advance.
A payday advance is for less than 112 days and, with SMARTCASH, you can pay it back as quickly as you like.
The best part is it’s easy. You can apply online and know within one hour if your application for a payday advance is approved, during normal business hours. You can have your money in your account today if your loan is approved before 3.30pm on a business day.
There are several options for obtaining a small short-term cash loan in New Zealand but the easiest and most convenient way is online. When you enter ‘payday advance nz’ into your search engine, you will come up with a list of online payday lenders that offer short-term loans with repayments arranged to coincide with your paydays.
SMARTCASH offers the lowest interest rate of any specialist online payday lender in New Zealand for a loan over $200. This means you pay less for your short-term loan when you take out a payday loan from SMARTCASH
SMARTCASH is the only New Zealand online specialist payday lender that lets you compare the rates and fees charged by different payday lenders. We do this to show you that we offer the lowest online payday lending rates in New Zealand.
SMARTCASH offers the lowest interest rate of any specialist online payday lender in New Zealand for a loan over $200 this means you pay less for payday loans online when you take out a payday loan from SMARTCASH.
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.