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Loans between $1,000 - $5,000
Terms 6 -24 months

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bullet point   Over 18 +
bullet point   Australian Resident
bullet point   Regular Income
bullet point   No Credit Default

Get up to $5,000

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Instant Cash Loans 24/7 Ready When You Are

Here at SpotMeNow, we realise that money can be one of the most stressful areas of your life. Sometimes, despite your best efforts, things get tough, and you require money in the bank quickly and without any hassle.

We provide 24/7 cash loans upon request with a simple process and fast decision. Better yet, you can do it all entirely online and have the money in your bank account as soon as possible.

Sometimes you have things you need to pay for now, and you can’t wait until your next payment from work comes in. Sometimes the unexpected can occur and you need money fast – SpotMeNow may be able to help you with our easy instant cash loans with 24/7 online support.

When money is tight, and you need a way out, SpotMeNow is potentially the ideal option for you to go with. Our system is designed to make sure that eligible people can get the 24/7 cash loan they need without undue hassle or lots of hoops they need to jump through.

Quick Turnaround

We make use of real-time risk assessment tech to make an assessment of your application at record speeds. You’ll get a decision right away and won’t have to wait a second longer than necessary to get the money in your bank account within a single business day, or even sooner.

Honest, Upfront Fees

We provide instant cash loans 24/7 without any dishonest hidden fees or small print. We are totally upfront about what the total amount you need to pay back is, so you can make an informed decision about completing your application.
You will be charged a flat establishment rate for your 24/7 cash loan, as well as a monthly fee. We keep our monthly fee competitive so that you are charged very little compared to other lenders.

Repayment Plans Are Flexible

Our 24/7 cash loans also come with highly flexible repayment options that make it easy to stay on top of your repayments. Each repayment plan can easily be managed online via your member’s dashboard, accessed either from the SpotMeNow website on your computer or mobile phone.
SpotMeNow repayment plans can be set from between 6 to 24 months in length. This allows you to repay the total amount in a time frame that is the most comfortable for you, depending on your circumstances.
We make sure that your repayments are divided into smaller, manageable payments that eliminate any stress you might have gotten from other lenders in the past. We even make it easy for you to alter your repayment dates, apply for financial hardship, or even pay back the entire sum early through your SpotMeNow account.

What our customers say

Ratings 4.1 google review rating

Simple application process, helped me through a difficult time

Shawn C

March 2020

quotation mark

Best personal loan so far, Effortless process and fast decision

John F

April 2020

quotation mark

SpotMeNow helped me fix some financial problem

Homan C

May 2020

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Instant Cash Loans 24/7 Ready When You Are

Here at SpotMeNow, we realise that money can be one of the most stressful areas of your life. Sometimes, despite your best efforts, things get tough, and you require money in the bank quickly and without any hassle.

We provide 24/7 cash loans upon request with a simple process and fast decision. Better yet, you can do it all entirely online and have the money in your bank account as soon as possible.

Sometimes you have things you need to pay for now, and you can’t wait until your next payment from work comes in. Sometimes the unexpected can occur and you need money fast – SpotMeNow may be able to help you with our easy instant cash loans with 24/7 online support.

When money is tight, and you need a way out, SpotMeNow is potentially the ideal option for you to go with. Our system is designed to make sure that eligible people can get the 24/7 cash loan they need without undue hassle or lots of hoops they need to jump through.

Quick Turnaround

We make use of real-time risk assessment tech to make an assessment of your application at record speeds. You’ll get a decision right away and won’t have to wait a second longer than necessary to get the money in your bank account within a single business day, or even sooner.

Honest, Upfront Fees

We provide instant cash loans 24/7 without any dishonest hidden fees or small print. We are totally upfront about what the total amount you need to pay back is, so you can make an informed decision about completing your application.
You will be charged a flat establishment rate for your 24/7 cash loan, as well as a monthly fee. We keep our monthly fee competitive so that you are charged very little compared to other lenders.

Repayment Plans Are Flexible

Our 24/7 cash loans also come with highly flexible repayment options that make it easy to stay on top of your repayments. Each repayment plan can easily be managed online via your member’s dashboard, accessed either from the SpotMeNow website on your computer or mobile phone.
SpotMeNow repayment plans can be set from between 6 to 24 months in length. This allows you to repay the total amount in a time frame that is the most comfortable for you, depending on your circumstances.
We make sure that your repayments are divided into smaller, manageable payments that eliminate any stress you might have gotten from other lenders in the past. We even make it easy for you to alter your repayment dates, apply for financial hardship, or even pay back the entire sum early through your SpotMeNow account.

What our customers say

Why us ?

At SpotMeNow we offer you a helping hand to help ease the pressure when you need it most. Just money in the bank fast and hassle free.

We offer loan between $1,000 - $5,000

Terms 6 up to 24 months

Simple Process

Fast Desicion

100% Online

FAQ

What's the eligibility criteria for a loan?

  • In order to apply for one of our loans you need to pass our simple checklist:

    • Must be at least 18 years of age
    • Be an Australian Resident
    • Have no credit default history
    • Regular income
  • What are my responsibilities?

  • We only offer loans to those borrowers who have the capacity to repay them. This means we are dependent on you to provide us with correct and up-to-date details of your current financial position.

    In addition, you need to ensure that you have enough funds in your bank account on the nominated loan payments dates, for us to withdraw from. Failure to do so might impact your ability to borrow from us in the future.

  • Can I apply for a loan outside business hours?

  • Yes, you can submit your application any time 24/7. Our online system is always available to accept your application.

  • Does SpotMeNow do credit history check?

  • As a responsible lender, we will carry out credit checking as part of our assessment but that doesn’t mean we will automatically decline anyone based on credit history alone. We will carefully review your recent history and your current capacity to repay the loan. We currently use Equifax (previously known as VEDA) as our 3rd party Credit Information provider.

  • What will the loan cost me?

  • Our loan costs are very simple..

    We offer a wide range of loan amounts and different terms. We offer smaller loans ranging from $1,000 to $2,000 with terms between 6, 9 and 12 months. We also offer medium loans ranging from $2,100 to $5,000 with terms between 18 and 24 months. To confirm what your repayments are, check out our cost calculator. We’ve made this simple to use.

    For the full list of fees and charges please refer to our Costs & Fees

  • Can I repay my loan early?

  • Yes, you can. At SpotMeNow, we appreciate the hard work that goes into repaying a loan. As a result, SpotMeNow will forego any monthly fee’s if you chose to pay your loan early.

    Just let us know at least 48 hours before your next scheduled repayment date by sending an email to repayments@spotmenow.com.au and we can let you know the final amount then arrange for a final direct debit instruction to be issued to your bank.

  • Why us ?

    At SpotMeNow we offer you a helping hand to help ease the pressure when you need it most. Just money in the bank fast and hassle free.

      We offer loan between $1,000 - $5,000

      Terms 6 up to 24 months

      Simple Process

      Fast Desicion

      100% Online

    Professional credit analyst ready to help you spot you a new loan.
                        Do you have emergency fund need? Here at SpotMeNow we hope to help you solve your problem

    Ready to Get Started?

    If you’re eager to apply for one of our instant cash loans with 24/7 online support – simply click the ‘Apply Now’ button to find out if you’re eligible. You can apply anywhere, anytime in Australia.
    Alternatively, you can read our FAQ to get more information about our 24/7 cash loans.

    Customers do you still have question? We're ready to help 24/7,
                        all your answers can be found in our FAQ section, otherwise ...

    FAQ

    At SpotMeNow we offer you a helping hand to help ease the pressure when you need it most. Just money in the bank fast and hassle free.

    What's the eligibility criteria for a loan?

      In order to apply for one of our loans you need to pass our simple checklist:

      • Must be at least 18 years of age
      • Be an Australian Resident
      • Have no credit default history
      • Regular income

    What are my responsibilities?

      We only offer loans to those borrowers who have the capacity to repay them. This means we are dependent on you to provide us with correct and up-to-date details of your current financial position.

      In addition, you need to ensure that you have enough funds in your bank account on the nominated loan payments dates, for us to withdraw from. Failure to do so might impact your ability to borrow from us in the future.

    Can I apply for a loan outside business hours?

      Yes, you can submit your application any time 24/7. Our online system is always available to accept your application.

    Does SpotMeNow do credit history check?

      As a responsible lender, we will carry out credit checking as part of our assessment but that doesn’t mean we will automatically decline anyone based on credit history alone. We will carefully review your recent history and your current capacity to repay the loan. We currently use Equifax (previously known as VEDA) as our 3rd party Credit Information provider.

    What will the loan cost me?

      Our loan costs are very simple..

      We offer a wide range of loan amounts and different terms. We offer smaller loans ranging from $1,000 to $2,000 with terms between 6, 9 and 12 months. We also offer medium loans ranging from $2,100 to $5,000 with terms between 18 and 24 months. To confirm what your repayments are, check out our cost calculator. We’ve made this simple to use.

      For the full list of fees and charges please refer to our Costs & Fees

    Can I repay my loan early?

      Yes, you can. At SpotMeNow, we appreciate the hard work that goes into repaying a loan. As a result, SpotMeNow will forego any monthly fee’s if you chose to pay your loan early.

      Just let us know at least 48 hours before your next scheduled repayment date by sending an email to repayments@spotmenow.com.au and we can let you know the final amount then arrange for a final direct debit instruction to be issued to your bank.

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