Why Choose Spotter?

Fast & Flexible

We provide easy access to loans ranging from $500 - $15,000, flexible repayment options from 3 - 12 months & loans settled within 24 hours (subject to conditions)

Great Customer Service

At a time of need, we've made the process easy and simple. Give one of our friendly consultants a call.

Responsible lender

Spotter Loans is a responsible lender and won't lend to anyone who we believe can't afford the repayments

Fast & Flexible

We provide easy access to loans ranging from $500 - $15,000, flexible repayment options from 3 - 12 months & loans settled within 24 hours (subject to conditions)

Great Customer Service

At a time of need, we've made the process easy and simple. Give one of our friendly consultants a call.

Responsible lender

Spotter Loans is a responsible lender and won't lend to anyone who we believe can't afford the repayments

Sounds easy right?

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Still have some questions?

You may find the answer from some of our frequently asked questions.
How quickly can my loan be approved?

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

Am I eligible?

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.

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.

Small Loan Example

$1,000

Loan Amount

  • 13XRepayments
  • $110.77=Per Fortnight
  • $1,440.00Total Payments
Loan length:26 weeks

Medium Loan Example

$2,500

Loan Amount

  • 104XRepayments
  • $43.19=Per Week
  • $4,490.88Total Payments
Loan length:104 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:$40per month charged on the anniversary of the loan
  • Amount of Credit of the Loan:$1,240
  • Total Amount of Interest Payable:NIL
  • Direct Debit Fees:$25.74($0.99 per transaction)
  • 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

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.