Instant


Loans

Find yourself in a tight spot? Let SpotMe spot you the cash you need instantly. Our instant personal loan service means you could have a loan application processed and matched in a matter of minutes, so you get the cash you need when you need it most.


Instant Personal Loans When You Need Them

Borrow up to $5,000 for a small personal loan on the spot. There’s no paperwork, phone calls or fax machines required for instant loans of any amount. Just provide evidence of your eligibility and we process your application and try to match you with our panel of lenders in a matter of minutes, Australia wide. You can apply online or on your mobile device, anytime, from anywhere.


How it Works

How do we provide access to the fastest instant loans in Australia? We use real-time risk technology to process your application and provide a decision on whether your application was matched to a lender instantly. All you need to do is register for a SpoMe account where you’ll be asked to provide evidence that you have a regular income covering your day-to-day expenses. Then choose your loan amount, loan period and reason for the loan. If we have successfully matched you to a lender you will be redirected to their website to complete the application.


Manage Your Repayment Plan Online

Repayment plans for short term loans are generally very flexible. You can change your repayment dates, repay your loan early or apply for financial hardship. To make the lending process stress-free, repayments are broken down into small, manageable amounts that more often than not align with your paydays.


So what are you waiting for? Click “Apply Now” to get started or check out our FAQs to find out if you’re eligible for a SpotMe instant personal loan.


Complete your application in just a few minutes.


WARNING - Do you really need a loan today? *

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.

Check your options before you borrow:
  • For information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan
  • If you are on government benefits, ask if you can receive an advance from Centrelink: Phone: 13 17 94
The Government's MoneySmart website shows you how small amount loans work and suggests other options that may help you.
*This statement is an Australian Government requirement
under the National Consumer Credit Protection Act 2009.

WARNING - Do you really need a loan today? *

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.

Check your options before you borrow:
  • For information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan
  • If you are on government benefits, ask if you can receive an advance from Centrelink: Phone: 13 17 94
The Government's MoneySmart website shows you how small amount loans work and suggests other options that may help you.
*This statement is an Australian Government requirement
under the National Consumer Credit Protection Act 2009.
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Dear SpotMe Members,

Just a quick heads up when dealing with any lender, be it from our website or somewhere else...
  • Make sure you read all the legal docs and understand the loan,
  • sign the Credit Contract first before doing anything else,
  • and NEVER EVER pay any money in advance to a lender until you have received your loan.
We pride ourselves on our professionalism here at SpotMe and will always ensure that everything we do is done by the book.

All the best,
The SpotMe Team
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