Rating based on 46 reviews

Cash Smart

  • Personal loans up to $2,000
  • Apply online now
  • Repayment up to 24 weeks

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Cash Smart homepage
Author Cash Smart. Screenshot of Cash Smart website.
[Accessed May 2, 2023]

Cash Smart - we have a great reputation

Cash Smart opened as a microlender in 2004 and since then they have grown into a reputable lending company offering a wide range of lending products.

We still have the same staff members that we started with, in 2004 and we have grown as a family as our company grows. Our staff is experienced in helping clients choose the correct lending product as well as repayment terms on their personal loans.

You will get a friendly and professional service

We have helped many satisfied Australian clients with their lending needs, and they keep on coming back to us. We believe that word of mouth is the best advertisement. We are here to help. To apply for a loan, you can visit one of our branches or conveniently apply online.

We are the money people

Cash Smart specialises in short-term loans. If you need money fast, turn to us, we are the money people. We can help you get a short-term loan in the fastest time with no hidden fees and a hassle-free application process. With our loans, the repayment structure will match your income cycle. If you can repay your loan before the set upon date, we won't charge you any penalty fees.

Fast and convenient loan application

At Cash Smart, responsible lending is a priority for us and for this reason, we have an ASIC Australian credit licence. Furthermore, we are also proud members of the credit and investment Ombudsman.

We’re a responsible lender

We are proud that we always give our customers a friendly and professional service.

We will assess each personal loan application carefully. Please consider your ability to repay your loan before applying. When you apply for a loan you might qualify for a loan amount less than you applied for.

Whatever you need the finance for we have a loan option to suit your financial needs. You can qualify for a bad credit loan with us if you meet our lending criteria.

Do you meet our lending criteria?

  • Can you afford a loan?
  • You must be over the age of 18
  • Minimum wage income of $400 a week
  • Salary must be paid into your bank account
  • You must have an active email address and mobile number.

Cash Smart – Personal loan

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

Benefits of Cash Smart

  • Unsecured personal loans
  • Quick online loan applications
  • Flexible repayment terms

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.

Cash Smart Loans – Get the money you need, fast!

Do you need some extra cash this week? Maybe you want to take a short holiday on the coast. Cash Smart loans are here to help you get the money you need.

Visit our website and complete the short application form and send us your personal documents and we can help you with your personal cash loan needs.

Easy 2 step online application

Step1:  visit our website and complete the online application form.

Step2:  Send us the following documents

  • Budget and contacts (simple template you can find on our website)
  • A copy of your ID
  • Bank statements

These 3 documents can be sent by uploading them to our website or by faxing them to 07 3818 0644 or by emailing them to apply@cashsmart.net

Can't pay your loan on time?

If something happened and you can pay your loan on time, please contact us immediately in order for us to reschedule or adjust your payment. The fee for a missed payment is $30 and $20 to reduce your payment. When you have missed a payment, we will always contact you to give you an opportunity to work out an affordable arrangement.

Effortless application for existing clients

If you have previously taken out a quick loan with us, use the “existing customers” tab on our website and log in. All your details have been saved. You can if you need to also change your details if you have moved or any of your personal details have changed. The application process is much faster if you’re an existing client.

Apply for an emergency loan from Cash Smart – we are the money people. Our online application is fast and due to our responsible lending practices, we will never allow you to take out a loan that you cannot afford.

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

A very affordable loan combined with excellent customer service!

James Y
— Townsville —

100% online loan application and approval and my loan amount was paid out a few hours later.

Cameron P
— Adelaide —

Just a few quick steps in an online loan application and suddenly the money I need is in my account and direct debit has been set up on my account for the repayments to go off without me needing ...

Chris B
— Cairns —

Cash Smart gave me a very reasonable deal on my personal loan with fair interest rates and decent fees.

Nick R
— Melbourne —

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