Instant Loans

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Apply for instant cash loans online with flexible repayments

Get money in your bank account quickly and easily with SpotMeNow

Do you need instant approval loans or need cash today because of short-term liquidity problems?
Well, you’ve come to the right place because SpotMeNow has a range of reliable and safe instant loans for your use!

At SpotMeNow, we understand the importance of having access to reliable loans with instant approval, which can be signed off and delivered to you without any hassle. In fact, our instant cash loans are as quick as we say they are, in the sense that we can transfer the funds to your account in a matter of minutes. This way, you will get the money when you need it most.

Who we are

Our mission is to always put our customers first. Our customers are the heart and soul of our business, which is why we are continually looking at ways to help our clients achieve their desired financial outcomes. When our customers win, that’s a win for us too.

How we operate and what you need to do

We offer a wide range of instant cash loan options and services, which are designed to ensure that you get access to finance when you desperately need it. However, to receive instant loans from us, you’ll need to follow these steps below.

1. Register

First of all, you need to register with us on our website. All you need to do is fill out our registration form, which is found on our website to become a member. Once you are a member, you can start enjoying the benefits of being a part of our team.

2. Select an option

Once you have become a member, you can now formally apply for one of our instant cash loans online. You can receive anywhere from $1000 to $5000 (depending on your specific needs), and we can make the repayments suitable to your financial constraints.

3. Get the money

And that’s basically it. Once you have formally applied for a level of finance, you’ll receive those funds as quickly as possible, permitting we sign off on it. The main reason why our loan approval process is near-instantaneous is because of our use of real-time risk-assessment technology.

Basically, this allows us to decide on your application promptly and without any fuss. The quicker the decision, the quicker the money lands in your bank account for you to use.

Will I be eligible for a loan with instant approval?

Our instant loans are available to everyone in Australia, no matter what state or territory they are in. For legal reasons, there are a few essential eligibility criteria you need to satisfy before you successfully sign up.
You must meet the following standards to be eligible:


You must be over the age of 18 (you must be an adult to decide to apply for an instant cash loan online).

australian resident

You must be an Australian resident.

regular income

You must be able to prove you receive a regular income (pay summary) so that we are confident you can make repayments.

Why you should choose our process

There are many reasons why you should choose us when you need a loan with instant approval. No matter what your background is, if you want “instant approval loans”, or need cash today, then SpotMeNow should undoubtedly be at the top of your list of financial intermediaries.

Here are a few of the reasons why we’re you’re #1 option for instant approval loans when you need cash today:

Comprehensive range of instant loans

    Fortunately, we have a comprehensive range of instant loans, each of which is suited to different customer needs. We offer three main types of instant loans: $1000, $2500 and $5000.

    Our customised short-term instant loans are perfect if you need quick money for something like emergency dental work or replacement tyres for your car. There is a lot of flexibility regarding repayment schemes as well, ranging from 6-month plans to 30-month plans.

    If you lose track of where you are in your repayment plan, then all you need to do is log into your SpotMeNow account and check your member dashboard to see where you are up to in your repayment plan. Our goal is to make the process of applying for and managing your finance with us a totally transparent process where you are always informed.

No unforeseen costs

    Each finance option comes with an establishment fee and an interest rate (generally between 2.99% to 3.75% per month). However, there are no early exit fees.

    Our transparency when it comes to repayment structures is something that we pride our company on. At SpotMeNow, we endeavour to provide our clients with fair and equitable finance, without compromising their financial position.

    Making sure that there are no unforeseen costs is a big part of our commitment to transparency. We only seek customers who can responsibly make an informed decision about the long-term value of our instant approval loans when they need cash today for something important.

    Keeping our customers fully informed about their options is something we are passionate about.

We do not engage in refinancing

    As a principle rule, we do not engage in refinancing. Refinancing is a process in which you replace an existing debt obligation with another debt obligation, albeit under different conditions.

    This type of scenario is what commonly leads to people falling into debt holes, in which they can’t make ends meet unless they accumulate more debt. We refuse to do this, which is why we perform credit checks on all our prospective clients before providing them with money. If we believe you will be unable to repay one of our instant loans without compromising your own financial position, then we will not proceed with your application.

You can amend your repayment timeline

    Another reason why you should work with us is the flexibility we provide our clients when it comes to repayment dates and obligations. You have the power to change your repayment timeline, in the sense that you can repay the principal and the interest before the timeline ends, or later, if you encounter further financial hardship. We can break down the repayments into smaller, more manageable amounts, and spread this out over a longer period.

Our processes are simple to understand

    We also strive to make everything as simple and as straightforward as possible, which is why we steer clear of making everything highly technical and complex. Everything on our website is communicated clearly and honestly. However, if you do have further questions, then reach out to someone from our sales team for more information or clarity.

Receive the finance as soon as possible

    Another benefit of short-term finance is that you can receive one of our instant approval loans when you need cash today. There’s no excessive paperwork, lengthy phone calls, or noisy fax machines required to apply for instant approval loan when you need cash today.

    Just provide evidence of your eligibility, and we will assess, approve, and transfer the money into your account in a matter of minutes. You will need to demonstrate that you have a regular source of income since we need to know that you can make your repayments on time. You can apply online on your computer or from your mobile, anytime, and from anywhere in Australia.

Less stress for you

    Because our repayment plans are fairly relaxed and open to negotiation, you won’t be anywhere near as stressed as you usually are when it comes to financing your short-term objectives. The last thing you need is unnecessary stress or anxiety, so we endeavour to minimise this as much as we can.


So, how do we maintain our legal compliance? Well, we hold an Australian Credit License (number 450321), which is legally ratified by the Australian Securities and Investments Commission (ASIC). On top of this, we are 100% committed to the National Consumer Credit Protection Act (2009), which is the primary body of legislation responsible for upholding legal standards an modes of conduct in financial institutions.

As a responsible lender, we’ll perform several credit checks on your finances to get a better idea of your financial position. However, this doesn’t mean that we automatically decline people with a poor credit history if they seek an instant approval loan and need cash today. In fact, we never deny people on their credit history alone. We’ll always assess other important factors, like your recent financial history and overall capacity to pay the money back. You shouldn’t be punished for a poor financial decision you made many years ago. We currently use Equifax as our third-party credit information provider.

Frequently Asked Questions (FAQ)

Naturally, many of our clients have a lot of questions regarding the specifics of our instant cash loans. Below you’ll find some answers to our most frequently asked questions.

Can I apply for an instant cash loan online if I’m self-employed?

    Yes, you certainly can. We make no distinctions about types of employment; all we need is confirmation that you receive a regular income and that you meet our credit application criteria.

Do I need to pass a credit check?

    Yes. As SpotMeNow is committed to fulfilling our obligation as a responsible lender under Australian law, all applicants are required to undergo a credit check. However, we will not deny anyone straight away if they have a ‘bad’ credit history. We are fair and equitable when assessing your ability to repay the money we lend you.

How long do I need to wait before I get the money in my account?

    If you successfully get one of our loans with instant approval, then the money will be transferred directly to your chosen bank account within just a few hours. If you apply outside of business hours, then it will be sent at the earliest time on the next business day. The speed at which the money comes into your account also depends on which banking firm you are with.

How do I repay?

    When you apply for one of our instant cash loans online, you will select a bank account from which we can make direct debits. This is arranged as per the repayment plan you are going ahead with and will debit from the same bank account you get your primary income paid to. You need to ensure that you have enough money in the account on the date of billing to avoid missing it.

    We help you out by sending you an SMS to your phone to remind you the day before a payment is due so you can make sure you have enough in your account.

Is there a fee if I miss a repayment?

    Yes. We charge a $10 dishonour fee of your direct debit is declined, and you may also get an additional fee from the bank you are with. However, you can easily avoid this by letting us know if you will miss a payment on a business day at least 24 hours before billing.

Can I repay early?

    Of course – we make it easy for anyone to repay what they owe early if they choose. We get rid of any monthly fees in the event you choose to pay back the full amount.

    If you want to go this route, send us an email message 48 hours before your next repayment so we can organise a final debit payment for you to make. The email to send a message to is

Is my information secure on your website?

    Yes. When you sign up for a loan with instant approval from SpotMeNow, we protect your information with the same security used by major banks. We are fully committed to protecting your data.

Are you looking for an instant approval loan
and need cash today?

Click the ‘Apply now’ button below to apply for an instant cash loan with near-instant approval
If you have further questions, please do not hesitate to Contact us