Cash advance loans

Easy cash loans ready when you are


Get up to $5,000

Fast decision & Hassle free


Instant Approval Cash Advance Loans

Do you need a cash loan today? SpotMeNow is here to help you! We’re aware of the fact that short-term finance is something that many people can struggle with – so we’ve made it as easy as possible to borrow from us if you’re eligible.

At SpotMeNow, we have the fastest approval process for those seeking short-term finance. How do we do it?

Our real-time risk assessment technology allows us to approve cash advance loans instantly!

  • Easy cash loans between $1000 - $5000
  • Terms between 6 – 24 months
  • Affordable repayments

Why SpotMeNow?

  • Instant approval using our real-time risk assessment technology
  • Flexible repayments managed through your online account
  • Licensed credit provider registered with ASIC (Australian Securities and Investments Commission) ACL 450321

How to apply?

  • Register online from your smartphone or computer
  • Select an amount up to $5000
  • Complete the application and get a fast decision
  • Receive the money in your account the same day

(Because we are responsible lenders who abide by the law, we are obliged to disapprove requests for short-term finance if the applicant does not satisfy our risk assessment process.)

It’s as simple as that! Click here to start the application process, or read on to learn more about our short-term finance options.

Advanced Real-Time Risk Assessment Technology

The reason that SpotMeNow is the #1 choice for people who need urgent cash loans is simple – we approve applications faster than other lenders! This does not mean we cut corners or compromise on the thoroughness of our approval decisions – it just means we’ve optimised the process so that we can make responsible lending decisions at record speeds.

Waiting anxiously for days to see if you get approved on your short-term finance is not something you should have to deal with. Our advanced risk-assessment technology gives you an instant decision.

If you need an urgent cash loan and you know that you meet the minimum criteria for responsible borrowing, then you shouldn’t have to wait long to get the money in your bank account. Sometimes time can be a precious thing, and you need a cash loan today – such as when you need to pay a bill before a deadline or if your car needs repairs.

If you make a mature and reasoned choice to apply for a cash advance loan, we believe that you shouldn’t have to wait for a cumbersome approvals process. If you meet the criteria, we’ll ensure that you get the money in your account as quickly as possible.

The Importance of Risk-Assessment

The reason that SpotMeNow is the #1 choice for people who need urgent cash loans is simple – we approve applications faster than other lenders! This does not mean we cut corners or compromise on the thoroughness of our approval decisions – it just means we’ve optimised the process so that we can make responsible lending decisions at record speeds.If you apply for a cash loan today, you need to go through a risk-assessment process as required by law. While we have streamlined this process to give you a fast decision, we still believe it is extremely important.

Why? Because borrowing money is not something that should be done on a whim – it needs to be a responsible decision based on the knowledge that you can comfortably repay the money with interest. This is why we place a high degree of importance on assessing why applicants need to borrow, to make sure that they think twice about borrowing money they may not really need.

There are many situations where an urgent cash loan is a sensible option, such as paying for utility bills, insurance, car repairs, and more. Making sure that you are borrowing for the right reasons is essential when you engage any kind of short-term finance option.

Our Easy Cash Loan Application Process

At SpotMeNow, we’re committed to delivering a fast and transparent application process that takes the stress away from applying for short-term finance. Our easy 3-step process can be completed very quickly and leave you with money in your account the same day.

1. Register online and become a member

To get started, all you need to do is register your membership with SpotMeNow and select the terms of your urgent cash loan. Once you click the Apply Now button, you’ll be taken to a page which shows you a disclaimer that lists information about borrowing money and what the minimum eligibility requirements are.

2. Select the amount of money you want to borrow

Next, you need to select the type of cash advance loan that you want to get. SpotMeNow provides borrowing amounts between $1000 to $5000, with terms that range from 6 months to 24 months.

It’s super simple for you to use the slider on the website to select the exact amount of money that you want to borrow. When you drag the money slider, it will automatically adjust the repayment period between 6 to 24 months and automatically change the date that your first repayment is due (and how much money it will be).

This dynamic and simple-to-use system is part of why we’re known for having easy cash loans. There’s no better way to get a cash loan today than using SpotMeNow, especially if you want quick approval.

After you select the amount of money that you want to borrow and acknowledge what the repayments will be like, you then need to determine what you plan to use it for. This includes options like car repairs, utility bills, home improvement, and more.

At this point, you will need to declare if you have any unpaid defaults, as well as answer whether or not you know you can repay the loan. You won’t be able to proceed if you have any outstanding defaults.

After clicking the ‘Save & Continue’ button, you will then need to fill out some basic information like name, marital status, residential status, as well as confirm a password for your account. You will use this account to manage your cash advance loan and see where you are with repayments.

There will then be an additional page where you need to submit information like your bank statement and last payslip.

3. Submit application and get paid

Once you’ve completed all the details and sent your application to us, our real-time risk assessment technology will give you an instant decision. If you are approved, then we will transfer the money to your bank account within an hour on a normal business day (the time it takes for the funds to appear in your account can vary depending on who you are banking with).

After that, you can use your urgent cash loans to pay for what you need and begin managing your repayments via your SpotMeNow account. Once the money is paid back, you can apply for another easy cash loan if you think you need it (you will still need to be approved again for this, however).

Why Should You Get a Cash Advance Loan from SpotMeNow?

If you need a cash loan today, there’s really no better option than SpotMeNow. We make it so simple to borrow between $1000 and $5000 with affordable, flexible repayments that ensure you have no regrets.

Below is a little more detail on why we’re the best for short-term finance.

Simple process

    One of the key reasons we stand out amongst our competitors is that we have the fastest approval process for people who need an urgent cash loan. Our system means that people who are eligible for our short-term finance options need not wait excessively long times to get a decision and get the money in their hands.

    Our goal has been to make it as simple as possible for anyone to get one of our cash advance loans, no matter where they happen to be in Australia. Not only is the process simple, but it’s also very transparent, with our members having the ability to view and manage their repayments from their dashboard easily.

No disguised fees

    Our commitment to complete honesty and transparency with our customers means that you don’t need to worry about there being any early exit fees or hidden fees. At SpotMeNow, we are upfront with the fact that we have an establishment fee and interest rate for all of our easy cash loans.

    The SpotMeNow team is proud of the fact that we can give people simple and stress-free short-term finance options that allow them to get on with their life. Our affordable and flexible repayment arrangements ensure that our customers can borrow with confidence.

We reject refinancing

    At SpotMeNow, we are against refinancing and don’t offer it as an option when you seek a cash loan today. Refinancing can be responsible for people ending up in difficult debt-cycles because they have replaced debts with other ones using different terms.

    We don’t want any of our valued customers to have to deal with that kind of stress, and this is why we would never seek to refinance with them. Our real-time risk assessment ensures that those who can’t comfortably repay the cash advance loan are disapproved, and this is because we care about what is in their best interests.

    We seek to protect our customers from getting into worse financial situations and performing our due diligence as a lender in Australia. We never seek to exploit anyone or approve their request in bad faith.

Flexible repayment timelines

    We have lots of flexibility when it comes to your repayments of any of our easy cash loans. You can change your repayments to suit your circumstances better as they change since we know that things can and do change within a 6 to 24 month period.

A super simple process

    If you need a cash loan today, then you don’t want to go through an overly complicated process. At SpotMeNow, we’re all about convenience and speed, and this is why our customers love us so much.

    Our real-time risk assessment technology means that nobody needs to wait too long to get a quick decision on short-term finance. It’s so simple that it’s no wonder we’re so popular as an option for cash advance loans.

Get the money fast

    Of course, when someone needs an urgent cash loan, the speed at which they get access to the money is of paramount concern. At SpotMeNow, our fast process allows people to get the money very quickly and begin using it how they please.

    Forget about heaps of annoying phone calls and paperwork – we help you get the finance in your bank account very quickly. You just need to have the evidence we require that you can pay back the finance, and we’ll take care of the rest.

Help in financial hardship

    Sometimes financial circumstances can change, and making repayments is no longer as easy as it once was. We recognise that this can happen to anyone, and we are compassionate towards customers who experience this kind of issue.

Fully compliant, legal lender

    At SpotMeNow, we are responsible lenders, and we are fully compliant with Australian law. Our Australian Credit Licence (450321) is valid and up to date, as required by ASIC. We are totally committed to upholding legislation pertaining to the ethical delivery of short-term finance.

    Because we are a responsible lending institution, we make sure that we perform multiple credit checks to determine your finances and see if you are truly able to pay us back without hardship. This does not mean we will blanket decline everyone without a perfect credit history, but we will assess it as part of all the factors we look at when determining your eligibility for our fast approval loans.

    We know that people can make mistakes with money in the past, and we don’t seek to punish you for something like that.

    Equifax is our current 3rd party information provider when it comes to credit checks.

Our Compliance

As mentioned earlier, SpotMeNow is fully compliant with Australian laws and regulations around responsible lending. We are committed to being a responsible lender and ensuring that we only engage customers who meet the eligibility criteria and can repay the finance that they borrow.

Anyone who needs a cash loan today can borrow from SpotMeNow and be fully confident that we are following best practise. We have your best interests in mind at all times, so don’t hesitate to apply for your easy cash loan or contact us if you have any questions you would like to ask.

Ready to get started?

At SpotMeNow, we’re very passionate about what we do and are proud of the fact we have managed to help so many people with getting access to short-term finance. Our customers love our easy cash loans because they’re simple to apply for, have a fast decision, and come with manageable repayment options that let them borrow without guilt.

You have nothing to worry about because our risk-assessment technology means you won’t be able to borrow unless we know you can make the repayments. Just select the amount you want and go!

If you’re ready to get started with our cash advance loans, simply click the button below and we can get the ball rolling. Just follow the simple steps, and we’ll process your application with a near-instant approval decision.