Rating based on 32 reviews

Cash Smart

  • Payday loans up to $2,000
  • Low-interest starting from 4%
  • Apply 100% online
  • Repayment up to 24 Months

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Author Cash Smart. Screenshot of Cash Smart website.
[Accessed March 16, 2023]

About Cash Smart

Are you having a cash crisis? Get immediate cash today!

You can access competitive rates from a list of their leading and trusted lenders. Get the right loan for you as Cash Smart has the experience and know-how to get you the most perfect loan based on your needs and budget.

Cash Smart provides finance and guidance that will allow you to take control of your finances. They have been dedicated and committed to providing the very best payday loans to thousands of Aussies since 2004. They offer lightning-fast payday loans as well as various other loans that are short, medium, or long-term to Australian residents over 18.

Payday loans, no credit checks

Forget the hassle of chasing traditional loans, get cash easily and speedily! No matter what your level of income is, Cash Smart is a leading loan resource that will be able to assist you with a fast cash solution, even if your credit score is less than perfect. You can also apply for a payday loan that does not require a credit check.

With Cash Smart, it is only a matter of hours before you can have the funds in your account as they work fast with their trusted lenders to provide online instant cash to Aussies in need. Enjoy easy to repay payday loans that won’t leave you tied up in long-term debt

Cash Smart Services

Borrow between $300 and $2,000 over 61 to 175 days with no interest charges as they only charge a once-off establishment fee of 20% plus a monthly 4% of your loan amount. 

This loan can be used for any personal reasons from fixing a car, renovating a room, going on a holiday, arranging a birthday party for a special loved one to even planning a wedding, and more. You can apply for a loan online or at one of their branches if you prefer face-to-face assistance.

If you have missed a few payments

Maybe you are worried about getting approved due to your credit score, but you urgently need money to get you through the month and you are certain that you will be able to repay the loan on your next payday or within at least 24 weeks or less. Give Smart Cash a try as they will still be able to assist you without any difficulty.

Impeccable customer service

They have a fast and straightforward approach while they are very responsible in their lending decisions and have a range of trusted lenders, they work with to get you the very best deal possible.

Enjoy ongoing support and you can ask them for help and they will assist even if something is preventing you to pay your amount due, they are always ready to help.  

Cash Smart – Payday loan

  • Loan Type Payday loans
  • Interest Rate from 4%
  • Loan Amount up to $2,000
  • Repayment 6 Months to 24 Months

Benefits of Cash Smart

  • Quick payday loans
  • Apply 100% online
  • Affordable interest rates

Payday loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This payday loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Cash Smart – Smart investing, smart solutions

How to apply for a payday loan with Cash Smart – fast processing, same-day transfers!

What you’ll need

  • Be 18+.
  • Be earning a minimum of $400 per week, paid into your account.
  • Be able to afford the repayments.

Enjoy an easy application process 

Step one: Complete their online form.

Step two: Upload the following documents:

  • bank statements
  • a copy of your ID (this can be a photo or a scan)

Step three: They will look at your information and will let you know almost immediately what your options are.

Step four: You can then accept their offer so that they can directly transfer the cash into your account. you will typically have access to the funds on the same day.

The key benefits of applying with Cash Smart

  • Great service.
  • They care about their clients.
  • Fast access to cash.
  • Easy online loan applications.
  • Loan amounts and terms that will suit your needs and budget.
  • Available branches in Australia or 100% online assistance.
  • Bad credit welcome.
  • Reliable, trustworthy, and responsible.
  • A high level of transparency.
  • No credit checks on certain loans.
  • Secured and unsecured loans.
man holding thumbs up

Cash Smart is a trusted & reliable provider of payday loans

In our review, Cash Smart adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, where the granting the loan will not cause financial distress to the consumer.

✅ Cash Smart is a registered credit provider in Australia: ACL 388992

Customer Reviews & Testimonials

June 2019

The application is such a easy three step and then you can apply all you have to do is follow the instructions.

David T
— Sydney —

March 2019

I got my money rather quickly and happy to report that it has all been paid back and that if I ever need a loan again I will be back.

Jennifer T
— Melbourne —

Cash Smart Contact

Physical Address

  • Suite 9, St Ive Professional Centre, Smiths Road Goodna QLD 4300 Australia
  • Get Directions

Postal Address

  • PO Box 40, Goodna, QLD, 4300, Australia

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed