Rating based on 46 reviews

Cash Smart

  • Quick loans up to $5,000
  • Low-interest up to 4%
  • Repayment up to 24 weeks

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

The most affordable short-term loans

Cash First allows you to borrow up to $5000 through Wallet Wizard.

Their quick loan application process only takes a few minutes to complete and they evaluate your application quickly so that they can get you the cash that you need with as much speed as possible.

Partners with Wallet Wizard

They have partnered with Wallet Wizard to bring you the most affordable short-term loans, quick cash loans, bad credit loans and other loans designed to suit your needs. 

To apply for a loan is 100% free and there is no obligation to go ahead with the loan.

Step into the future of loans

Remember when applying for a loan could take days or even weeks?

You first had to go to your bank to get your latest statements printed out and then take a drive to the loan branch and sit with a financial consultant.

With the innovation of modern technology, you can do almost anything from your cellphone applying for a loan is no different as long as you have an internet connection you can apply from almost anywhere.

Loan amount between $500 and $5000

They offer quick loans through their partner Wallet Wizard of between $500 and $5000 with repayment terms to suit your current financial circumstances.

The latest technology works out how much you can comfortably afford to borrow and suggests a repayment schedule.

To apply for a Wallet Wizard loan you will need to:

  • You will need to supply your internet banking details to get started this will give them access to view your bank statements over the past 90 days so that you don’t need to get them from the bank yourself and so that they can process your emergency loan application even faster.
  • You will need to supply 2 forms of identification. This can include your driver’s license, Medicare card or passport.
  • They will need your BSB and bank account number so that they can easily deposit your money to you.
  • You will need to supply your personal details including your name, date of birth and employment information.
  • You need to be at least 18 years old and an Australian citizen to apply for a loan.

Marvellous technology helps them to identify you easily and figure out in an instant if you are eligible for a loan or not.  This same technology allows them to link your bank statements and have read-only access to your last 90 days to help them process your loan quickly and save you a trip to the bank.

Cash Smart – Quick loan

  • Loan Type Quick loans
  • Interest Rate 4%
  • Loan Amount up to $5,000
  • Repayment 9 weeks to 24 weeks

Benefits of Cash Smart

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

Quick loan calculator

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

Cash Smart - get a loan in 3 easy steps

Short-term loans get you your money quickly. Once your loan application has been approved they will transfer the full loan amount into your bank account within an hour.

Follow the 3 quick steps and your cash will soon be on the way to your account as quickly as possible.

  1. Complete the online application form by providing some details about your fiancés and your income. Use their completely automated system to link your bank statements.
  2. Sit back and watch the magic happen. Their technology engine works its magic and confirms your details. The technology will work out exactly what your credit limit should be and how much you can afford to lend. Make sure that you read the term and conditions then agree to the contract and sign the agreement via their online platform.
  3. Once your fast loan application has been approved they will transfer the money to your account within an hour.

What is a credit limit?

Once they have processed your loan application they will establish a credit limit on your account this is the maximum amount that they can lend to you that you will be able to afford to pay back. This amount will be determined by your credit score and other factors. 

Your available credit is the difference between your credit limit and your current account balance.  Your current balance is the money that you still owe on your loan.

Once you have paid at least 25% of your total loan amount you will be able to redraw the funds that you have paid so far. To access your available funds log onto the website and go to the member's area and fill out a re-draw application form.

Can your application be declined?

Unfortunately, if you don’t meet the requirements then your loan application may be declined. They will try to let you know why your application was declined and help you fix the problem if possible.

If they can’t assist you they will put you in touch with someone that can provide better insight into your financial requirements. If you need to talk to a financial counsellor they can help you find a good one.

How do you end the loan agreement?

Because their payday loan system works on a top-up basis you will need to close your loan otherwise they will continue to offer you an ongoing line of credit. This means that even if you do not use the credit their monthly charges and fees may still apply.

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Cash Smart is a trusted & reliable provider of quick 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

In the past finance was way too complicated; jumping from teller to consultant in the bank with a paper trail laboring behind. Cash Smart has made the entire process simpler and more streamlined ...

Greta S
— Gold Coast —

Fast finance with no collateral or security required. Cash Smart is definitely a lender that I will recommend for top unsecured loan offers.

Mandy T
— Mackay —

Cash Smart Contact

Contact Number



Physical Address

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

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