Rating based on 54 reviews

Cash Smart


  • Quick loans up to $2,000
  • Low-interest starting from 4%
  • Repayment up to 24 weeks

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Cash Smart homepage

Author Cash Smart. Screenshot of Cash Smart website. [Accessed September 11, 2021]

About Cash Smart

At Cash Smart, we are a direct short-term loan provider that will help you get the money you need today.

Finally, a lender that keeps its promises and delivers quick cash to your account fast!

We're a direct lender

Cash Smart is a direct lender - so we won't waste your time by making you complete two applications forms like you would have to do when applying for a short term loan through a broker. With us, all you have to do is complete one loan application form online and we'll then process your loan for approval.

Quick loans up to $2,000

As registered lenders, we abide by a set of standards that allows us to reassure our customers that they're dealing with a professional company. Whether you're looking for a small and quick loan online of just $200 or a bigger loan amount of $2,000 we can help you get it in an easy, responsible and swift manner. 

Cash Smart Services

At Cash Smart, we offer small short-term loans that are simple, affordable and easy to get.

We're reliable, trustworthy and well-established - and that's something we're proud of!

Getting the cash you need

Banks and traditional lenders may not be willing to lend you smaller amounts of cash as it's an administrative nightmare that offers little profit. At Cash Smart we offer payday loans from as little as $100 - so you can get just enough to take care of the less expensive expenses and purchases.

Apply online today

When you apply online you save not only time but money too and, with Cash Smart, our loans are available online and you can even sign your loan agreement electronically. The entire quick loan application process has been streamlined to be completed as quickly and effortlessly as possible. 

Cash Smart Quick loan

  • Loan Type Quick loans
  • Interest Rate from 4%
  • Loan Amount up to $2,000
  • Repayment 9 weeks to 24 weeks

Benefits of Cash Smart

  • Apply 100% online
  • Low interest rates
  • Quick and affordable loans

Applying for a fast loan at Cash Smart is easy

If you're not one for online application forms and would prefer an in-branch application you can simply visit us.

One of our staff members will assist you in identifying a loan amount and loan term that would best suit you and to complete the application.

Best lending practices

We are committed to the responsible lending code and will always ensure our customers are in a relatively stable financial position before approving any short-term loan. We are transparent about our fees and rates and have these readily available on our website for customers to consider. Once you've decided how much money you want to borrow you can then navigate to our online application page and begin the application.

Our loan application

If at any point during the quick loan application process you require assistance or have any questions you can contact us either telephonically, by email or via our website and, one of our staff members will help you. This application has undergone major improvements to ensure that customers can apply for a loan quickly and with ease and we are now confident that it's certainly among the most streamlined on the market. We will request that you provide us with your personal and contact information, address, employment and earning information, identification and payslips among others. These documents and bits of information are required that we stand by our promise to be a reliable and responsible lender and help us ensure you can afford the loan we offer.

Safe and secure loans

When you apply at Cash Smart, we guarantee that your information is safe and secure. We will not use or distribute any of your details to other lenders or brokers. To process your loan application we will require some details and supporting information from you, however, we will request only the necessary information to enable us to process your short-term loan application. This is because from our inception we have strived to make things as simple and painless for our customer s as possible and we just keep getting better and better!

Great customer service

As a registered and responsible lender, Cash Smart will always do our best to give you the most affordable rate possible and help you throughout the application process. Our staff are available to assist you at any time - whether you need help or just have a question about our quick loans or procedures. We will never charge you any late repayment fees - as long as anyone having trouble to repay contacts us to discuss an alternative arrangement. If you want to find out more about our loans and service please visit our website or contact us telephonically! 

man holding thumbs up

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, 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

February 2019

Applying for a Cash Smart loan was fast, easy and convenient.

Zoe K
— Perth —

March 2019

The interest rates that I pay at Cash Smart have allowed me to be able to meet my other financial obligations.

Oliver H
— Broome —

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