Payday


Loans

Need cash but can’t make the stretch until payday? We’ve got you covered. At SpotMe, we provide access to instant payday loans through our panel of payday lenders in Australia, saving you a heap of time when you need it most.


Flexible Repayment Plans

Short term loans can also very flexible. You can borrow up to $2,000 from between 16 days all the way up to 12 months. Personal loans from between $2,001 to $5,000 can be repaid over a period of up to 2 years.


During the application process, you set your payday and line up your repayment dates so you never have to incur late fees. You can even manage your repayments throughout your loan period, making changes to repayment dates and making repayments early using your lenders online account.


But you don’t have to wait until payday to get cash quick. Once processed by our real-time risk assessment technology, you could be matched to a payday lender within minutes. All you have to do is register for an online account, where you’ll be asked to provide evidence you’re employed on an ongoing basis with a salary that covers your day-to-day expenses.


Zero Fees

We won’t charge you a thing to use our service – trying to match you to a payday lender who’s prepared to lend to you on your terms. So if we fail to find a payday lender for you at any given point then the only thing you’ve spent is 10 minutes of your time, nothing more. In terms of actual loan costs, each individual payday lender determines these. As a guide, the maximum fees they can charge are a 20% establishment fee and a monthly fee of 4%.


Don’t wait until payday to get the cash you need now. Apply now for a payday loan online from anywhere in Australia, or read our FAQs to learn more.


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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