We do fast loans!
We’ll spot you up to $15,000

Why Choose Spotter?


Flexible loans

Easy access to a range of loan from $500 – $15,000. Flexible repayment terms.


Fast online applications

Our friendly service team will assess your online application within 24 hours.


Great Customer Service

Feel free to speak to one of our friendly Australian based staff today!

Sounds easy right?

Looking for Instant Same Day Cash Loans Online?

Spotter Loans are here to help those needing a hand when it comes to navigating any financial struggles. Sometimes life changes unexpectedly and we have more on our plate than we can handle. Which is why we offer a range of different loan types to help every unique situation find the best possible way forward.

Our loan repayment terms can be made flexible on a case by case basis so that we find a system that works best for each individual that comes to us to get financial help.

Spotter Loans Are Your Go To for Reliable & Instant Online Loan Applications

We understand that in a lot of cases time is of essence. Which is why we work with you to get all the necessary documents so we can process your application as soon as possible, and if circumstances work out, we can approve loans within the same day for instant cash.

We understand that everyone’s struggle is different, so we offer a range of loan types:

Whatever your circumstance we will try to find the best path to move forward. We are here to work with you to ensure all your repayments are affordable at all times during your loan. So, if circumstances change or you need any clarification on the process, we are more than happy to assist.

Talk to Our Team to Find Out If You are Eligible for Same Day Cash Loans

If you are interested in small instant cash loans or same day cash loans, simply reach out to our team or submit an online application to get the process started.

If you require more clarification, don’t hesitate to give us a call on 1800 776 863 or submit an online enquiry form. We have experience providing reliable loans to those in Melbourne, Sydney and across Australia, so you can trust us to get your application sorted promptly.

Find out what our customers are saying

Still have some questions?

You may find the answer from some of our frequently asked questions.

Within 24 hour from the time you complete the required documentation (during normal business hours).

You may be eligible if you:

  • Are working full time, casual or part time; and
  • Are over 18 years of age; and
  • Earn more than $30,000 pa.

Here’s what a loan might look like

Here’s what a small loan might look like…

You’re after a loan for $1,000 for medical or dental bills. Your are looking to repay the loan back after 6 months and are happy to make fortnightly payments.

Small Loan Example

$1,000
Loan Amount
13 X $110.77 = $1,440.00
RepaymentsPer FortnightTotal Payments
Loan length: 26 weeks

In the above example You’ll pay:

  • Loan Amount Financed: $1,000
  • Establishment Fee: $200 (set by NCCP at 20% of the loan amount)
  • Monthly Permitted Fee: $40 per month charged on the anniversary of the loan
  • Amount of Credit of the Loan: $1,240
  • Total Amount of Interest Payable: NIL
  • Total amount of repayments: $1,440.00
  • Nominal Percentage Rate (Interest) per annum: 0% as defined by NCCP

Comparison Rate: 160.0571% as defined by NCCP

Here’s what a medium loan might look like…

You’re after a loan for car repairs for $2,500 and are looking to make payments back on a weekly basis over 2 years.

Medium Loan Example

$2,500
Loan Amount
104 X $43.19 = $4,490.88
RepaymentsPer WeekTotal Payments
Loan length: 104 weeks

In the above example You’ll pay:

  • Loan Amount Financed: $2,500
  • Establishment fee: $400 (Set by NCCP)
  • Amount of Credit of the Loan: $2,900
  • Total Amount of Interest Payable: $1,590.86
  • Repayments: 103 x $43.19 + $42.31 (a final payment)
  • Total amount of repayments: $4,490.88
  • Nominal Percentage Rate (Interest) per annum: 48% as defined by NCCP

Comparison Rate: 65.5138% as defined by NCCP

WARNING: This comparison rate is accurate and applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

See our full Fee Statement for fee details.

“These examples are provided for illustrative purposes only. They do not represent an offer from Rate Detective Pty Ltd. A Spotter Loan is subject to the completion of an application, which is subject to responsible lending checks that take your personal needs and financial circumstances into account.”

For loans under $2000 the minimum repayment term 90 days, maximum repayment term 12 months.