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At SpotMe, we’ve got better things to do than paperwork, and we’re sure you do too. We’ve simplified our process for online loans to make sure you get quick cash when you need it most without the hassle of snail mail, fax machines or even phone calls. The great thing about our service is that you only need to register once. There are no hidden costs or charges, no small print and you can keep applying as many times as you want at no extra cost!


No Paperwork or Phone Calls

At SpotMe, we don’t do things the old fashioned way. No paperwork, phone calls or fax machines are required to apply for a loan of any amount. How does it work? Using our real-time risk assessment technology, we’re able to process and match you with a lender in a matter of minutes. All you need to do is apply for a SpotMe loan online or on your mobile – anytime, anywhere around Australia. And because we operate online, we’re open 24 hours a day, 7 days a week.


All you need is proof that you have a regular income covering your day-to-day expenses. Just head to the homepage and click “Apply Now” to get started – or check out our FAQs to learn more about our online loans application process.


How it Works

Applying for same day online loans is easy with SpotMe. Just register online to become a member and simply apply for a loan before providing us with a read-only summary of your last 90 days bank transactions. We’ll then process your application and try to match you with a lender who’s prepared to offer you a loan on your terms.


To get started, register to become a member now, or read our FAQs to find out if you’re eligible for small personal loans and same day loans..


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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