An easy way to borrow money…
Strapped for cash? Need access to money fast? Then why waste time applying for different payday loans when all you need is a helping hand to take the pressure off. At SpotMe we’re here to help you get through life’s emergencies no matter how bad your credit history, be it to manage unexpected home repairs, getting your car back on the road, covering unforeseen and expensive bills or simply surprising your loved ones with a last minutes gift!
SpotMe has access to all major short term lenders in Australia who provide online same day loans (also known as payday loans, advance loans or personal loans) to all types of borrowers, including those with a bad credit history. We have no credit checks as part of our service to you which means that you can apply online through our quick and easy application process, knowing your credit score will remain unchanged.
No matter the problem, SpotMe is here to pick Australians up and get them back on track.
No paperwork or phone calls. You can apply for a short term loan online or on your mobile anytime, anywhere around Australia. We’re open 24 hours a day, 7 days a week.
Apply for a loan today and, if approved by one of our lenders, you could have up to $5,000 transferred directly to your chosen account - easy peasy.
When you're in a tight spot, fast solutions are the only option. We use the latest real-time technology, so you can apply for a loan and find out instantly whether we found you a lender.
There's no hidden costs or charges with us. Our applications are totally FREE and you’re under no obligation to take out a loan - straight up.
How It Works
OnlineLive Life Online. It's easy to register with SpotMe. Just fill out the online form to become a member instantly. Then you're good to go.
ApplicationWhen you’re in a tight spot, fast solutions are the only option. We use the latest real-time technology, so you can apply for a loan, anytime, anywhere around Australia and find out instantly whether we found you a lender.
a LenderApplying for a loan with lots of different lenders can be a real pain. We do all the hard work for you by sharing your application details with all the major short term lenders in Australia. If we’re able to find you a lender we’ll let you know straight away and get you in touch with them as fast as we can.
Frequently Asked Questions
What are Small Amount Loans?
Life doesn't always go to plan and sometimes you need a helping hand to get you back on your feet.
At SpotMe we provide access to fast and simple, short-term loans to help manage any unexpected financial difficulties that come your way. We put you firmly back in control of your cash, letting you get back to the more important things in life.
Applying for a loan is quick and easy and in just a few minutes our fully automated system lets you know whether we've found a lender prepared to match your terms. You can apply for an online loan through SpotMe anytime and anywhere around Australia - 24 hours a day, 7 days a week.
How much can I borrow?
You can apply to borrow from between $100 - $5,000.
Does it cost me anything to apply for a loan?
Our service is absolutely FREE for you to use - we won't charge you a thing, regardless of whether we successfully find you a lender or not.
What will the loan cost me?
The costs of each loan can vary between different lenders. However, the maximum amount you can be charged per loan is a once-off 20% establishment fee and an ongoing 4% monthly fee.
Once we have found you a lender, we suggest you fully understand what the total fees & charges being offered to you are first before commiting to the loan.
Can I apply for a loan even if I have a bad credit history?
Yes, you can apply for a loan no matter how bad your credit history is. Amongst the panel of lenders we offer your loan details to, there maybe some who are happy to take your credit history as is, even without credit checks. So, even if you receive Centrelink benefits as income, have defaults registered against your name or have a history of bankruptcy, you are more than welcome to apply.
How long do I have to wait to get a decision?
Our fully automated system will let you know if we have matched you with a lender in an instant. You will be able to see if your application was successful or not from the 'History' page in the Member's Dashboard.