Quick Cash Loans

If you have expenses that can't wait until your next paycheck, a quick cash loan from SpotMeNow could be the perfect option for you.

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Our Mission

At SpotMeNow, our primary goal is to provide our customers with reliable short-term finance. We also pride ourselves on our capacity to provide the quickest online loans, mostly thanks to our excellent integration of innovative real-time technologies. We understand that most people go through some form of financial hardship during their lifetime. Because of this, we want to be the firm you can rely on when times are tough.

At the same time, however, we don't want to burden you with excessive debt, which is why our quick personal loans are relatively small in size. The last thing you want to be doing is accruing further debt by paying off existing debt with more debt. It can become a vicious and unrelenting cycle.

An Overview of Our Quick Cash Loans

Our loan money is quick and punctual, regardless of which option you choose. You can receive $1000 to as much as $5000, depending on how much you need and your level of debt. Whether it's for personal expenses, covering your business expenses or some other reason, we will work with you to ensure you get rapid finance when you need it.

Assessing Eligibility

We are an ethical lending organisation, and this is something we are committed to upholding. We are steadfast in our adherence to all compliance laws, which means we are entirely against irresponsible lending. Because of this, we check each and every single one of the applications lodged by individuals in need of quick loans now.
The purpose of ensuring a person's eligibility is two-fold: one, we want to make sure that you can repay your loan as per the repayment cycle. Two, we don't want you accruing unnecessary debt, since this would be a form of irresponsible lending.

How Does the Process Work?

The process of signing up is very easy and straightforward. Once you start the process, you'll realise just how easy it is to get quick loans online and the same day. Our approach can be categorised into three distinct phases:

Step One: Register

Once you have navigated to our website, click on the link that says Apply Now. This will redirect you to a page that provides you with a disclaimer and all the relevant information you need before officially applying. This information will set out the minimum standards of our quick cash loans, which you must fulfil to be eligible.

It will also list out what you need to provide when applying. There are three pieces of information you need, which are as follows:

  • Proof of income (latest payslip or a work invoice if you are a sole trader)
  • A valid, current bank statement
  • Valid ID (like a driver license, Medicare card or passport)

Step Two: How much do you need?

The next step is to pinpoint how much you need in terms of finance. We make this process as easy possible by dragging a slider on the webpage. The range of our quick small loans is from AUD 1000 to AUD 5000. What's also fantastic about this is as you drag your cursor across the slider, you will see the prescribed repayment amount and time frame change as per the amount required. This is critical for people wanting to appropriately budget and plan their finances. To be able to achieve this, you want an accurate forecast of what your quick cash loans will look like. This is something we provide!

Likewise, we also inquire as to your purposes of the finance – e.g. commercial, business, care repairs, utilities or other personal reasons. After outlining your reasons for the application, you then need to answer whether you have an unpaid default on a pre-existing financial agreement. Once this part of the process has been completed, click the "Save & Continue" tab, which will then prompt you to confirm your identity finally.

Step Three: Get quick cash now!

Once you lodge your application, you'll start the waiting game, which shouldn't be too long at all. We endeavour to provide our clients with quick loans on the same day, regardless of the circumstances. If it is a normal business day, your quick cash should be deposited in your nominated bank account within a few short hours. So, if you need the finance as soon as possible, lodge your application on a business day.

What's So Good about SpotMeNow?

There are many great benefits of using SpotMeNow as your provider of critical short-term finance. If you need quick cash or quick loans today, then SpotMeNow should be your first point of contact.

Here are some of the most compelling reasons why:

Fast Solutions

    Fortunately, we have the most innovative risk technology solutions at our disposal, meaning we can assess your application immediately. If we approve your application, then we endeavour to give you quick loans the same day you applied for it. In most cases, this is achievable. At the very least, we transfer quick cash to your nominated bank account within one business day of your application being received and approved.

Flexible Repayment Plans

    After you have received your quick cash loans, you can easily manage a repayment plan that is flexible and attuned to your needs and wants. You can control this through our website by logging onto the members' dashboard from your desktop or browser, or you can use the mobile app if that's easier for you. Generally, our repayment plans are between 6 and 24 months, which means you can repay the total amount at your own pace.
    Repayments are broken down into smaller amounts as a way of putting less strain on your finances. While we do charge interest on these payments, we endeavour to keep these rates as low as possible. You can alter your repayment dates if necessary or choose to pay your principle back earlier if you want. You can even apply for "financial hardship" through your account if necessary – we'll explain this concept a little later.

All Fees Upfront and Transparent

    There are no hidden costs in services – that's a guarantee. There's no unforeseen charges and no deceptive small print to coerce you into paying more. The total amount you'll be required to pay is clearly denoted on our website, so no matter what happens, you can rest assured knowing exactly how much you will need to pay back and when. Firstly, we charge a flat establishment fee for our quick cash loans online. We also charge a monthly fee, which means you'll pay less overall if your repayment schedule is shorter.

Apply from Anywhere

    If you need reliable and effective short term finance, then we strongly recommend you apply for the quickest loans from SpotMeNow. You can do this from anywhere in Australia – 24 hours a day, 7 days a week. Once you've discerned that your eligible, lodge an application and we'll get back to you as soon as possible. If you're not sure if you're eligible (or confused about some aspect of the process), check out our frequently asked questions or reach out to us directly.

Refinancing is a Big No

    Refinancing is a straightforward, yet unethical process. A lot of financial intermediaries do it, and it's this dishonest and manipulative lending that caused the global financial crisis in the United States back in 2007. At SpotMeNow, we refuse to engage in any form of refinancing, which is basically where an individual pays off past debt by accruing further debt, albeit under slightly different terms. It is an incredibly risky process, especially for people needing short-term finance.

    If we believe that you will struggle to repay the principal amount, then we look at ways we can make alter the repayment process to suit your needs. However, if this proves untenable, then we will deny your request and provide you with further information if necessary.

Financial Hardship Options

    As we have witnessed with the coronavirus pandemic, financial circumstances can irrevocably change in a matter of weeks, days or even hours. One minute your job is perfectly secure, the next you've received your notice, and suddenly you're back out on the job market. Because of this, we have "financial hardship" options for our clients, meaning they can trigger these options and avoid dishonour fees that occur when you default on one of your repayments.

    The earlier you let us know about your circumstances, the more likely we are to be able to approve these options and help you through this challenging process. This ties back to our core values of putting the rights of the customer above of our financial performance.

Some Frequently Asked Questions

We are always committed to honesty and transparency since they are core values synonymous with our business. Because of this, we welcome questions from our customers (both loyal and new) about applying for our quick personal loans. If you have read this page and still have some lingering questions on your mind, check out some of the common questions below. Chances are you'll find the answer you're looking for!

I have just been declined for one of your quick cash loans. What can I do?

    If your application has unfortunately been declined, then you will need to wait at least 2 months before applying again with our organisation. However, we do recommend trying to improve your financial circumstances before applying again. For example, you could cancel your gym membership, try sticking to a stricter food budget and limit unnecessary spending you might do over the weekend.

I have just paid back one of your quick cash loans. When can I apply for another one (if needed)?

    Once you have paid back the entirety of the first principle, you can instantly apply for another one. However, you will not be allowed to bypass any elements of the procedure (even if we do have some of your information on file). Each time you apply, you will be required to fulfil the same process.

I am a self-employed worker. Am I eligible for quick fast loans from SpotMeNow?

    Everyone is eligible for finance from our company, so long as they fulfil our minimum standards. Your employment type will not factor into this decision at all. As long as you prove your income accurately, then that is all that matters!

Can I repay the principal amount (and the interest) early?

    We welcome our customers to pay back their quick cash loans early, as long as their circumstances allow them. In practice, paying it off early is a cheaper option for you, since we'll waive the monthly fees. Having said this, you must get in touch with us before trying to do this. Please send us an email at least 2 days (48 hours) before your next repayment date. If you're not sure when your monthly repayment date is, then check through the online portal.

    Once you've identified when your next repayment date is, email repayments@spotmenow.com.au to confirm that you want to pay off your debt and we will organise the final repayment bill for you, it's as simple as that!

How can I be sure that SpotMeNow is a responsible lender?

    Well, several core indicators reflect our commitment to financial transparency and responsibility. Firstly, we run credit checks on all our clients (to ensure we are not adding further debt to an individual's financial burden). Secondly, we always strive to provide timely responses to any queries and complaints you might have as a customer.

    Thirdly, we hold a valid Australian Credit License, which is registered by the Australian Securities and Investment Commission (ASIC). This license ensures that we are continually complying with the National Consumer Credit Protection Act 2009, which mandates the legal protections of both individual customers and lenders like us.

Ready to get started?

Now that you know a little more about us and our process for online fast cash loans, you can click the ‘Let’s get started’ button below to begin the application process.

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