Same Day loans

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Same day loans available fast and when you need them

Money makes the world go round, and sometimes you can get into a situation where you need some fast - that’s where we come in.

At SpotMeNow, we aim to provide quick same day approval loans for those who need financial support quickly. We are well aware that timing can be of the essence when it comes to certain situations where something needs to be paid off or purchased, which is why we are the experts when it comes to short-term finance and can lend you a helping hand in times of need.

How is eligibility determined?

At SpotMeNow, we utilise our top of the line tech, which uses an algorithm in order to perform a risk assessment of potential candidates. This technology allows us to see how risky it would be to approve same day cash loans for the individual, and if eligible, it goes through instantly to their bank account.

Our risk assessment technology will look at your financial stability and income, as well as checking to see if you have any issues with your financial record.

This will help us to determine whether or not you would be suitable for us to approve your application for a same day loan.

The easy steps to receive your same day approval loan

Our goal at SpotMeNow is to make everything we do as streamlined and fast as possible, as we understand the importance of timing. Below are the steps required in order to proceed through the application process and onto your same day loans with easy approval.

Step 1 – Register an account

Firstly, you must register an account with us in order to take your first step towards your same day cash loans. By hitting Apply Now, you will be shown the minimum standards required in order to apply for a same day approval loan.

You will be required to provide certain forms of identification, such as:

  • Valid identification (Driver’s license, passport)
  • A current bank statement
  • Proof of valid income

Step 2 – Tell us how much you would like to receive

We will definitely need to know how much you would like to receive for your same day cash loans online. We are quite flexible with our amounts, and these can range from $1000-$5000 AUD. Our website will display how much the loan repayments will be and the loan period, depending on the amount you choose to receive. You will also see that we will query what you need the money for, as this could be for bill payments, house renovations, car repairs etc.

Moreover, we will ask if you have an unpaid loan default on your record and whether or not you are able to pay back this same day approval loan.

It is important to answer these questions honestly.

On the next page, we will ask for more information to do with your identification as well as your financial ability to repay the loan.

Step 3 – Receive your same day loans with easy approval

After the easy steps above, your application is sent off for approval instantly, and you will be determined to be eligible or not very quickly. Once the application is successful, your bank account will receive the same day loans.

It’s that simple!

It normally takes a few hours to enter your account; however, times can vary according to which bank you are with.

What are the advantages of using SpotMeNow for your same day cash loans online?

There are a variety of advantages to using our service for your financial benefit, as when you are in a situation where you need some support quickly; we are always ready to help you out. Regardless of who you are, our system will help to streamline the application process and determine your eligibility for the same day approval loans, before proceeding with the payment.

So, what are the other advantages of using SpotMeNow?

We have no hidden fees

    The team at SpotMeNow aims to be completely open and honest with our clients. We have absolutely no hidden fees when it comes to our same day approval loans, only fees to do with the establishing of the same day loans and an interest rate. Our openness and honesty is something we are proud of and stand by as base principles from which we have built our business on.

We do not engage in refinancing

    Here at SpotMeNow, we do not engage in refinancing whatsoever.

    Refinancing is defined as replacing someone’s debt with another form of debt but under different terms. This often will lead to making people get into various cycles of debt which ultimately will make them get stuck and sink into even more debt in the future. We do not wish to engage in activities which would lead to our clients becoming involved in further debt in the long term, as this does not stand well with our principles of honesty and our ethical views.

Our repayments are flexible

    Our repayments on our same day approval loans are considered to be very flexible in comparison to other providers. You are in charge of the management and alteration of your repayment timeline, and this means you can tailor it to what you want in order to make your life a little bit easier.

We don’t delay when it comes to sending your same day cash loans

    At SpotMeNow, we understand that timing is everything in the fast-paced modern world, and sometimes situations call for support which is required quickly. This is why, through our streamlined process, we have developed our risk assessment technology to be as quick as possible in order to help you out afterwards. We do not bother with endless piles of paperwork and numerous phone calls; we make sure that the process is quick and easy.

    All you have to do is be prepared with the required documentation, and our team will take care of the rest. You will be well on your way to receiving same day loans with easy approval in no time!

What do our clients use their same day cash loans for commonly?

Our clients will use their money received for legitimate reasons including utilities, car repairs, house renovations, bills and so on. In order to qualify for the approval of your application, you will need to have a legitimate reason to receive the money. This will also have to be specified in your application in order for us to determine your eligibility. These situations involving the legitimate reasons above are very common situations in which people will need to find financial support quickly, and they will often turn to us for same-day loans with easy approval. For these reasons, the most common uses for the money received by our clients involve the situations listed above.

What are our credentials?

It is important to know our credentials when it comes to anything to do with same day cash loans online! We are certified with our Australian Credit License (450321). We are also fully compliant with the policies set out by the Australian Securities and Investments Commission (ASIC) and with the National Consumer Credit Protection Act 2009. These all combine to tell us what we can and can’t do, and we abide by these rules fully.

As we are ethical and responsible providers, we ensure that we do not lend to people who are considered to be risky according to our risk assessment technology. This is better for not only us but for them too. They will not be dragging themselves into further debt cycles, and we will not be affected either. However, we do not believe in denying those with small marks on their financial record and will take this into consideration when you apply.

Frequently Asked Questions (FAQ)

As our principles stand on honesty and openness, we are happy to answer any questions that you may have regarding SpotMeNow. Because of how quick and easy we are, people can often be sceptical about our same day loans with easy approval. If you have any questions to do with our same day cash loans, please check out our FAQ page.

Why is a credit check required?

    A credit check is required as we are a provider who believes in responsibility.

    Because of this, we need to ensure that you do not have any credit defaults on your financial record. We do not provide any same day loans to those with credit defaults on their record as they would not be in a good financial situation to repay it. This would also be considered irresponsible.

What happens if I get declined?

    If you send in an application, but you do not meet the eligibility, then there is a 2-month period in which you will have to wait before you can reapply.

    If you are thinking of reapplying, you should ensure that you are in a better financial situation than before; otherwise, it is likely that you will be declined again. A better financial situation often means you get a new and better paying job.

How quickly does the money enter the account?

    When your same day approval loan is eligible to be sent to your account, you will receive the money within the same day, providing it is within normal business hours. If the application is approved but is outside normal business hours, then it will be sent as early as possible in the next possible day.

    It is important to note that once the same day cash loans are approved and sent out, it is not up to us how quickly it will be placed into the account as this is up to your chosen financial institution. Therefore, the times you will receive the money can vary depending on your bank.

After the same day loans have been repaid, how soon can I apply for another?

    Once the repayments are completed, you can apply again for another same day loan with easy approval. However, the application process is the same, and we will still reassess your financial stability and ability to repay the loan.

    Regardless of whether you have used our service before, we still stand by our ethical principles and will ensure that you can repay the same day cash loans online. We also will need to reassess your new reason’s legitimacy for receiving a same day approval loan.

Am I able to repay the same day loans earlier than the timeline suggests?

    Of course, it is possible to repay earlier if you wish to. In fact, we make it easy for you to repay earlier. If you decide to repay earlier, the monthly fees will be waived.

    We are very flexible when it comes to repayments and extend this flexibility throughout our entire process.

    If you do wish to repay earlier, you will have to email us within at least 48 hours prior to your next scheduled repayment, and we will be happy to organise a total payment amount to be paid off. You can send your email to

Ready to get your same day loans with easy approval?

We hope you have decided that we are a good choice for your same day cash loans. We are excited to do business with you and hope what you have read above is enough to tell you all about us here at SpotMeNow. It is important to understand what you have read and the application process, so when you do proceed with it, you know what is going on and what is expected. You can also be prepared with documentation ahead of your application in order to streamline the process and make it as quick as possible. It is also important you know what determines the eligibility for the same day loans, and this will make sure you are not wasting your time by applying if your financial situation is not stable enough.

Ready to get going?

Hit the ‘Apply Now’ button below to head towards beginning your application.