Rating based on 12 reviews

Cash Smart

  • Payday loans up to $2,000
  • Low-interest starting from 48%
  • Repayment up to 24 weeks

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Author Cash Smart. Screenshot of Cash Smart website.
[Accessed May 3, 2023]

Cash Smart - Fast effective payday loans

Cash Smart Pty Ltd opens its doors to the Australian people in the year 2004. It was this year that marked a new beginning in the credit advancement industry. 

Members of the Credit and Investments Ombudsman and an ASIC Australian Credit License, are legally registered to run the payday loan business. It is good to know the company you are working with is not a fraud!

No hidden fees

The last thing you need is to pay a large amount of money that you have no idea of its origin. At Cash Smart, their clients pay exactly the amount they paid for with the agreed interest. There aren’t any surprises you are going to get on their side.


If you want to be considered for a Cash Smart short-term loan, there is a certain criterion that you have to meet. This criterion is not any means of frightening their clients or potential clients.

Instead, they have found a nice way of trying to engage with the people that are looking for a loan and essentially, to be able to separate the serious people from the people who think such applications are a game.


Seeing that there is a lot of verification that goes into granting a client approval of their loan application, it is important for customers to be fully acquainted with the terms and conditions of the loan application.

Apply online or in store

Cash Smart understands how stressful it might be to be without money, especially on the days when you need it most.

Therefore, whether you need money for a bill you need to take care of, an emergency that has been brought to your attention or simply a mini vacation, they got you covered. Unlike most financial brokers, they are not really interested in finding out why you need the money, they just want to help you. As far as they're concerned, they believe that their clients are mature enough to take up an emergency loan with the financial capability to pay for it.

Application process

There are two processes that are included in applying for a loan at Cash Smart. If you are technologically advanced and computers don’t scare you, you can apply the electronic way.

This would be through an online application form and you would then be given the verdict after you have uploaded all the necessary documentation and answered all the questions. It is of utmost importance that you answer the questions as truthfully as you can to limit your chances of being rejected.

They take care of their clients

After you have filled in the online form, you will then submit documents that confirm your identification, bank statements and budget and contacts. The documentation can be sent by either fax or email. It is only after your documentation has reached their office that your payday loan application process will then be escalated to the next step.

Cash Smart – Payday loan

  • Loan Type Payday loans
  • Interest Rate from 48%
  • Loan Amount up to $2,000
  • Repayment 9 week to 24 weeks

Benefits of Cash Smart

  • Apply 100% online
  • Get the best loan features and interest rates
  • Quick payday loans

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.

Need cash fast? Cash Smart has the solution

In the interim, Cash Smart operates specifically on an online communication basis.

Income cycle

They are well informed that some people aren’t paid on a monthly basis like most clients. Therefore, it would be selfish of them to demand that you repay them back their payday loans on dates that would be inconvenient for you. In fact, they aim to take the interest of their clients with utmost care and agree on a payment method that would best suit the client.

Having said that, they have weekly, fortnightly and monthly payments. They are trying to give their clients “room to breathe” so to speak so that they can carefully plan how they will go about ensuring that they get back the loan on the agreed-upon date.

Loan period

At Cash Smart, they have a personal loan repayment period of 9 weeks to 24 weeks. The duration of the loan repayment period is a clear indication that they have their client's best interest at heart and they don’t rush their clients to pay off their loans. Instead, they give them quite some time to gather the funds to repay them back on time.


Should a matter arise on the side that stops or delays you from paying them back the loan on the date agreed by them and yourself, you have a duty to let them know that you will not be able to fulfil your loan obligations to them and they will then give you another date to settle your account with them.

However, they must let you know that there will be a penalty that you will have to pay for repaying them late. The penalty is an additional 30 % of your loan repayment. Although they might be able to extend your loan repayment period, your credit score is likely to be dampened by this.

Credit score

Maintaining a good credit score is important in the credit advancement world. If you fail to repay back the loan on all accounts, you will be handed over to external collection partners who might not be as nice as they are.

Additionally, you will have a 5-year bad credit record and it will not be erased until the five-year period ends. Therefore, it is better to always be on the good books of the people who help you when you are in a financial crisis rather than looking to apply for a blacklisted loan

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

Helped me to get the loan that I needed and they were able to reassure me that everything will be ok.

John B
— Perth —

I needed to pay for my car and took a quick pay day loan out and I am happy to say the service is great and I recommend them to anyone looking for a company that cares about you.

Mikayla S
— Sydney —

Happy with the great service that they give you when you apply for a loan.

Joe M
— 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