Regulated financial services provider
+966 53 291 5522 · support@smartscash.com
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Financing, simplified

Borrow with clarity,
repay with confidence

Personal finance, flexible installments and a rewards card — applied for entirely online, with transparent terms and no hidden fees.

Apply now See how it works
Data protected with bank-grade encryption
SmartsCash Rewards
5241  08••  ••••  4829
Available limitRs 250,000
SC
Application statusApproved
Disbursed within 48 hours
Rs 5B+Financed to date
500,000+Customers served
48 hoursAverage payout
50+Branches nationwide
Our services

Three ways to finance what matters

Straightforward products with clear terms, no guarantor and no surprises.

Personal finance

Personal Finance

Fast, unsecured personal finance up to Rs 250,000, paid straight to your account within 48 hours.

  • No guarantor required
  • Terms up to 36 months
Apply
Most popular
Easy installments

Easy Installments

Split larger purchases with no down payment and flexible plans from a single payment up to 36 months.

  • Zero down payment
  • Fixed monthly amounts
Apply
Rewards card

Rewards Card

A credit limit up to Rs 100,000 with cashback on everyday spending and no annual fee in year one.

  • Cashback on every purchase
  • No first-year fee
Apply
Why SmartsCash

Four commitments we hold ourselves to

Speed

A seamless online application with quick eligibility decisions, subject to assessment.

Simplicity

Transparent terms in plain language, with no guarantor and no fine print.

Support

Real people on the phone, on social media, and across 50+ branches.

Security

Your data is protected with bank-grade encryption at every step.

How it works

From application to payout in three steps

01

Apply online

Complete a short form with your ID and proof of income. No branch visit needed.

02

Get a decision

We review your request against eligibility and affordability checks and return a fast decision.

03

Receive funds

Once approved, funds are transferred to your account within 48 hours.

A SmartsCash support advisor helping a customer
Human support

Real people, whenever you need them

Automated where it helps and human where it matters. Our advisors are reachable by phone, on social media, and across more than 50 branches nationwide.

  • Dedicated support seven days a week
  • Guidance before you commit to any plan
  • Clear answers, no call-centre run-around
Talk to us
Partner offers

Rewards that go further

Cashback and discounts of 3–20% at more than 100 partner merchants nationwide.

ElectronicsUp to 15%
Travel & hotelsUp to 20%
Fashion & retailUp to 10%
Groceries5% back
DiningUp to 12%
Fuel3% back
HealthcareUp to 8%
Online shoppingUp to 18%
Customer stories

Trusted by people across the country

★★★★★

Applied in the morning and the funds cleared the same day. The whole process was refreshingly clear.

Ayesha K.Lahore
★★★★★

No guarantor and no endless paperwork. The terms were exactly what I was quoted upfront.

Bilal R.Karachi
★★★★★

The installment plan let me spread a large purchase over a year with a fixed, predictable amount.

The SmartsCash app

Manage your finance from anywhere

Apply, track repayments and view your rewards in one place. Available on iOS and Android.

Get it onGoogle Play Download on theApp Store
Outstanding balanceRs 184,500
Personal FinanceActive
Installment plan4 of 12
Cashback earnedRs 2,340
Make a payment
About us

Financing built for real people

SmartsCash is a modern financial services company on a simple mission: to make credit fair, clear and genuinely accessible. We pair careful, technology-led assessment with human support you can actually reach.

From your first application to your final repayment, everything is transparent — no hidden fees, no buried clauses, and no jargon.

Explore our services
A SmartsCash customer reviewing their finances
Rs 5B+Financed to date
500K+Customers
50+Branches
4.8/5App rating
FAQ

Questions, answered

How long does approval take?

Most applications receive a decision quickly, subject to eligibility and affordability checks. Once approved, funds are typically transferred within 48 hours.

Do I need a guarantor?

No. Eligible customers can access SmartsCash finance without any guarantor requirement.

What documents do I need?

Your national ID and a recent proof of income. Both are uploaded securely during the online application.

Are there any hidden fees?

No. Every rate and charge is shown in full before you accept an offer, so there are no surprises later.

Can I repay early?

Yes. You can settle your outstanding balance early at any time, with no early-settlement penalty.