Fast cash loans for whatever life throws at you
Apply online in minutes for short-term loans up to $2,000. No interest is ever charged — just one simple, transparent fee.
- Bonds
- Car Rego
- Car Repairs
- Deposits
- Emergencies
- Home Maintenance
- Medical Bills
- Unexpected Bills
- No interest — ever, just a simple fee
- Fast online applications
- Bad credit? No problem
20 yrs
Lending since 2004
About Cash Smart
A friendly, licensed lender helping Australians access fast cash
Cash Smart Pty Ltd opened as a micro lender in 2004 and has slowly grown over the years offering our personal loan product. Some of our first staff members are still with us today. We pride ourselves on offering a friendly and professional service, and many customers return to borrow again — word of mouth is our best advertisement.
If something does go wrong, just stay in touch with us and do the right thing, and we'll help deal with it. We now also operate online, but we aim to remain just as responsive and accessible as when you come to see us in person.
No Interest — Ever
We never charge interest. Instead, our loans have one simple cost: a 20% establishment fee plus a 4% monthly fee on the amount borrowed.
Trusted Since 2004
Cash Smart Pty Ltd opened as a micro lender in 2004. Some of our first staff members are still with us today, and many customers return to borrow again.
Responsible Lending
We hold an ASIC Australian Credit Licence and are members of AFCA. We carefully assess every application against your ability to repay.
What We Offer
Loan solutions to fit your needs
Whatever you need the finance for — Bond Loans, Car Rego, Car Repairs, Medical Expenses, School Fees or Bad Credit Personal Loans — we can look at providing instant cash loans for virtually any legitimate reason, anywhere in Australia.
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$500 – $2,000
Short-Term Cash Loans
Fast online cash loans repaid over a simple weekly cycle. Minimum term of 9 weeks (61 days), maximum term of 24 weeks (175 days). No interest — just a transparent fee.
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Check before you commit
Pre-Approval Applications
Not ready to formally apply? Use our simple pre-approval form and we will let you know if it is looking good, based on what is happening in your bank right now.
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Small business purposes
ABN & Business Loans
Cash Smart also offers small ABN or business purpose loans. Enter your 11 digit ABN on our standard or pre-approval form and we will assess it as a business application.
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All backgrounds welcome
Bad Credit & No Credit Check
We help clients of all financial backgrounds, including those with bad credit ratings or who are currently unemployed. Some lending resources require no credit check.
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Earn a referral fee
Referral Program
To mark our 20th anniversary, if we are able to lend to a person you refer, we will pay a fee for that introduction — for individuals, businesses, and community groups alike.
Ready to apply?
As responsible lenders, we assess every application carefully. Only apply after considering your ability to manage the repayments.
Loan Calculator
See what your repayments would look like
No interest, ever — just a 20% establishment fee plus a 4% fee per month. Adjust the sliders below to estimate your weekly repayments before you apply.
Repayment Term
Terms range from a minimum of 9 weeks (61 days) to a maximum of 24 weeks (175 days).
Your Estimated Repayments
Weekly Repayment
$60 /week
24 weekly repayments over 24 weeks
- Loan amount
- $1,000
- Establishment fee (20%)
- $200
- Monthly fees (4% × 6 months)
- $240
- Total repayable
- $1,440
There is no interest charged on our loans. Estimate only — final figures depend on approval. A missed or dishonoured repayment incurs a $30 fee.
Apply for This LoanAreas We Serve
We help Aussies borrow smart — wherever you are
Whether you are right here in Goodna or anywhere across the country, our online process makes applying simple and accessible.
Based in Goodna, QLD
Our office is at Suite 9, Professional Centre, Smiths Rd, St Ives Shopping Centre, Goodna, QLD 4300 — the same place we have served customers from since 2004.
Australia-Wide Online
Any Australian resident over the age of 18 can apply for an online loan through our fast, secure application — regardless of location.
Fully Online Application
Our lightning-fast online interface gets you in touch with a decision quickly, so you can apply for a cash loan wherever you are.
Frequently Asked Questions
Everything you need to know
Answers to the questions we hear most often about applying for and repaying a Cash Smart loan.
Customer Reviews
What our customers say
Twenty years of word-of-mouth
We have helped thousands of people since 2004, and many customers return to borrow again. We are collecting online reviews now — if you have worked with us, we would love to hear about your experience.
Get in Touch
Ready to take the next step?
Call us directly for the fastest response, or send us a message below and we will get back to you as soon as possible.
Contact Details
Phone
1300 762 731
Fax
07 3818 0644
apply@cashsmart.net
Office
Suite 9, Professional Centre, Smiths Rd
St Ives Shopping Centre, Goodna, QLD 4300
Postal: P.O. Box 40, Goodna, QLD 4300