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 April 12, 2018]

About Cash Smart

Cash Smart in Australia is known in the financial industry as the firm that truly cares about helping clients.

We listen to your needs, and take into account every aspect of our client's needs and have been excelling in our service delivery to our clients since opening our doors in 2004.

Financial opportunities for Australians

As a micro-lending firm, we can provide endless financial opportunities for our Australian clients. Without obstacles in your way, our streamlined processes provide unbeatable value to all who complete a loan application through our platform.

No hidden fees

We don’t add any hidden fees to your loan, providing transparency in our approach to our fee structure. Throughout your financial journey with us, we will be with you to guide you and help you with any situations which may arise.

Keeping the communication lines open

Should you feel you cannot make repayment on your personal loan at some point, talk to us, and we will work out a revised payment plan for you by keeping the communication with us open, we will get you through the tough times.

We are an accredited financial firm, and offer legit and affordable emergency loans, to meet all your financial requirements.

Cash Smart Services

Cash Smart is your financial firm of choice when it comes to the personal loans you need.

Our clients get astounding results from their online applications, allowing them to move forward in life and not have to worry about the debt hanging over their heads.

Loans from $300 to $2,000

We offer personal loans in the range of $300 to $2,000 with easy repayment plans up to 6 months to pay off.

Steps to get a loan

The steps to follow in getting your loan are simple – fill in the online application no matter where you are.

It’s easy, quick and you get feedback on your application within minutes. Once approved, cash is transferred directly into your banking account and is yours to spend as you like.

What makes Cash Smart so unique?

We do not charge any interest on your quick online loan! Repayment plans are tailored to your individual financial status and loan amount.

Our emergency loans can be calculated before applying, so you can see exactly what you 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

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

Getting a personal loan from Cash Smart is one of the easiest processes you will ever make.

If you need to take a holiday, fix your roof, pay for your children’s education, there is always financial assistance available with a simple process.

Loan applications online

Applications are all done online for the convenience of our clients; we know how precious time is. We offer existing clients the option to renew their loan once their initial loan is paid off.

We understand that sometimes, we may have a problem, a major expense or a situation where we cannot afford a repayment, at Cash Smart; we will do what we can to accommodate your situation.

No renewal fees!

The process is even quicker than your first online loan application and this option is even better for our clients, is we don’t charge any renewal fees!

Cash Smart is an accredited lender, and encourages responsible lending to our clients, to avoid consumers becoming over-indebted and living from penny to penny.

If we feel the personal loan amount you want is too high for your budget, we will recommend a lower amount with easier repayment amounts, so that you can afford your loan.

We can assist those with bad credit

We are open to all clients even those who have a not so great credit score, as all consumers deserve the opportunity to get credit for those low times in need.

We offer a bad credit loan to meet your needs, and it only takes a few minutes to get your online application in, approved and get you on your way to getting the loan amount you deserve.

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, as well as the National Consumer Credit Protection Regulations 2010, 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