Rating based on 41 reviews

Cash Smart

  • Personal loans up to $2,000
  • Low-interest starting from 24%
  • Repayment up to 24 weeks

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Cash Smart homepage
Author Cash Smart. Screenshot of Cash Smart website.
[Accessed March 15, 2023]

About Cash Smart

Cash Smart is a well known Australian financial industry as the firm provides personalised loans with instant approval thanks to their online application platform

They have excelled in service delivery since opening their doors in 2004- by taking all clients to need into account and helping them find suitable loans.

Financial opportunities for Australians

Cash Smart provides endless financial opportunities to Australian citizens using their streamlined process. Clients can now apply for a personal loan, with flexible terms within minutes- to pay off medical bills, renovations, a wedding, or even a vehicle.

No hidden fees charged

They don’t add any hidden fees to their loan offers and provide transparency in their contract agreements. Clients receive guidance throughout their journey with Cash Smart, as they help them through any situation that may arise.

Cash Smart believes in responsible lending

Should clients feel that they cannot make repayments on their loan at some point, they are welcome to talk to their consultant about a revised payment plan. Consultants are there to provide constant support to make sure clients can adhere to repayments. Cash Smart is an accredited financial firm that offers legit and affordable emergency loans that meet all financial requirements.

Cash Smart Services

Cash Smart is the financial firm of choice for Australians in need of a personal loan.

Clients receive results about their applications within minutes of applying, allowing them to move forward in life by using their loan to cover emergency payments.

Affordable Personal loans

Cash Smart offers personal loans that range between $300 to $2,000 with easy repayment plans up to 6 months to pay off. Personal loans are perfect for paying medical bills, home repairs, wedding costs, or buying a new vehicle.

How to get a Cash Smart personal loan

The steps clients need to follow to get their loan are simple:

  • Firstly, they need to fill out the online application form by providing basic personal details and information about the requested loan.
  • Secondly, they will receive feedback within minutes on your application
  • Once approved cash is transferred directly into their banking account

What makes Cash Smart unique

Cash Smart does not charge any interest on their quick loans, making their service more affordable than most. Repayment plans are tailored according to the client’s financial status and loan amount. Cash Smart emergency loans can be calculated before applying with the online personal loan calculator, so clients can see what they can afford before applying for a specific amount.

Cash Smart – Personal loan

  • Loan Type Personal loans
  • Interest Rate from 24%
  • Loan Amount up to $2,000
  • Repayment 9 weeks to 24 weeks

Benefits of Cash Smart

  • Flexible repayment terms
  • Apply for an unsecured personal loan
  • Quick online loan applications

Personal loan calculator

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

Your smart way to get personal loans - at Smart Cash!

Getting a personal loan from Cash Smart is easy and affordable.

Clients can now apply from the comfort of their homes. Those in need of a holiday, who need to make repairs, pay for children’s education, or even need general financial assistance, will get the help they need at Cash Smart.

A 100% online loan application process

The entire application process can be completed online for the convenience of clients. After submitting the online application, the final step is to offer two documents, namely bank statements and a copy of your ID. The company understands how important time is to clients and wants to accommodate them by providing convenient solutions.

Qualifying for a Cash Smart 

To qualify for a Cash Smart personal loan, clients need to be :

  • An Australian citizen over the age of 18
  • Have regular earnings of at least $400 a week
  • Have a valid bank account where income gets paid into

No renewal fees charged

Those who need a longer-term than six months near the end of their loan have the option to renew it without any additional charges. Clients who feel their loan amount is too high for their budget can opt for a lower amount with more manageable repayment terms.

They can assist those with bad credit

Cash Smart believes that all consumers deserve an opportunity to get a loan, even if they have bad credit, so they are offered bad credit loans. As long as applicants can prove that they can afford the loan repayments, after expenses, they have a good chance of being accepted. The online personal loan calculator gives clients a clear indication if they are eligible for a Cash Smart loan, and what their terms might be.

man holding thumbs up

Cash Smart is a trusted & reliable provider of personal 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

March 2019

The calculator allows you to see how much you would like to loan and your payments per month and this is why I have chosen to lend from the company.

Charmaine T
— Brisbane —

November 2018

They have the most amazing staff when I phoned for advice they didn’t hesitate to help me and even go beyond what was expected and that is why I have taken a loan with them.

Leigh J
— Melbourne —

November 2018

If you looking for a company that cares about you then this is the company for you! They truly go above and beyond.

Jack J
— Sidney —

Cash Smart Contact

Contact Number



Physical Address

  • Suite 9, Professional Centre, Smiths Rd St Ives Shopping Centre QLD Goodna 4300 Australia
  • Get Directions

Postal Address

  • P.O. Box 40 Goodna, , 4300, 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