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      About Uschevron down

      Locations: Goodna, Browns Plains, City, Logan Central & Stones Corner

      • Bond loans
      • Fast cash loans and bad credit loans
      • For all your cash loan needs
      • Friendly & professional service
      • Medical expenses
      General Info

      Personal loans, bond loans, home loans, payday advances, cheque cashing & Western Union.

      Cash Smart opened as a micro lender in 2004 and has slowly grown over the years offering 2 main loan products. 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 since word of mouth is our best advertisement trick.

      Bonds Car Rego Car Repairs Deposits Emergencies Home Maintenance Medical Bills Unexpected Bills

      You Can Borrow Up To One Week's Take Home Pay The Money Is Paid Directly Into Your Account You Pay Us By Direct Debit Or By Payroll Deduction Repayments Are Spread Over Two Fortnights Or Four Weeks

      Over 18 Years Of Age Had Your Job For At Least 3 Months Been At Your Current Address For At Least 3 Months Paid Directly Into Your Bank Account Not Currently Bankrupt Or In A Chapter IX Arrangement

      Accreditations
      Accreditation badgeAustralian Credit Licence 388992
      Email
      Payment method
      debit
      Established
      2004
      ABN
      37 111 606 127
      ACN
      111 606 127
      Location
      Suite 9, Professional Centre, St Ives Shopping Centre
      Service Notes
      Open Monday to Friday
      Other Link
      Category
      Financiers
      Commercial
      Yes
      Keywords
      Car Loans, Commercial Finance, Debt Consolidation, Housing Finance, Marine Loans, Medical Finance, Non-bank, Payday Loans, Property, Short Term Loans
      FAQschevron down

      What if my payday or my bank details have changed?

      If any details have changed, it's not a problem, just call us on 1300 762 731 and we'll be able to sort it out or use the existing customers update your details form.


      What if my credit provider and I cannot agree on a suitable arrangement?

      If you have been unemployed, sick or there is another good reason why you are having problems with your contract, then your contract may be able to be changed to meet your situation. You may be able to apply to the court. Contact your Government Consumer Agency or get legal advice on how to go about this. There are other people, such as financial counsellors, who may be able to help.


      What's a personal loan?

      It's an unsecured loan, usually about $1000 but could go up to $2000. They get repaid over a 6 month period but you can pay it quicker and save yourself some interest if you want to. Weekly repayments for $1000 would be $59.89 for 26 weeks, that's 6 months.


      What's a payday advance?

      It's an unsecured loan, usually only $200 the first time but could go up to $500. They get repaid over a 4 week period. The repayment dates are set to match your own payday and pay cycle, for example 4 weekly payments or 2 fortnightly payments or 1 monthly payment. Weekly repayments for a $200 advance would be 4 weeks of $65.75 you can pay it quicker if you want to.


      Can I have more than one personal loan or payday advance at the same time?

      No, you can only have one payday advance, or one personal loan at any one time. Because we are a responsible lender, we need to make sure that you can affordably pay back your loan. When you've built up a history with us, you may be able to get one pay advance and one personal loan, if its clear you can manage them together.


      How will I get my money?

      Personal loans will always be transferred directly to your bank account. It will arrive overnight as cleared funds which can be accessed immediately. Payday advances can be collected in person from a store or be transferred to your bank.


      What if I think I might have difficulty making a payment or two?

      We know things can change. If you are having problems, we always recommend that you give us a call to discuss things and we'll do our best to help. So as long as you keep us informed, we'll find a way to help.


      What are the requirements?

      We only have a few basic requirements. If you are over 18 & have full time employment earning over $400 a week and can afford the repayments then you are likely to qualify.


      How quickly can I get approval?

      We will process your application the same business day when we have all your information as described on online lending steps. If you want to borrow again in the future, it'll be easier and quicker as you'll have already built up a history with us.