Need a small cash loan fast?

Cash loans approved same day? Is that fast enough?

At Spotter, we aim to approve your cash application on the same day within hour of receiving of it. All we need to complete your application is some basic information which you can provide over the phone and online via by email.

If your instant small cash loan application is approved, we’ll aim to have the money in your bank account within 24 hours*.

You can repay your loan over a flexible term from 6 months depending on the size of the cash loan

Cash loans for unexpected bills

We all receive unexpected bills from time to time. Car accident? Electricity bill? School fees? Speeding fine? There’s no telling when an unexpected expense will arrive in the mailbox.

Don’t fear! With a quick same day cash loan from Spotter, you’ll be able to handle any unexpected bill that comes your way.

Cash loans for emergencies

Emergencies don’t make appointments! They happen when we least expect it and can often least afford it. Car accident? Medical emergency? Travel nightmare? Let us arrange you an instant cash loan, with an easy online application process, so you can get back to managing the emergency.

Cash loan or credit card?

Should I get a cash loan or a credit card? Good question! There are pros and cons to both. If you don’t already have the credit card approved and have credit available, then a credit card can be more time consuming to arrange.

Contact us to discuss whether an instant cash loan or credit card is better for you.

Cash loan or personal loan?

Personal loans are a good alternative to a quick small cash loan or a credit card. They can come with lower interest rates attached but can take more time to arrange. Your borrowing capacity will also be affected by what other loans you might have, as well as outstanding debts and any issues with your credit history.

Contact us and we can talk you through the options, and help you decide whether a cash loan or personal loan is right for you.

*Time taken to receive the funds will depend upon a number of factors, including who you bank with.

If you have any questions or queries, feel free to call us on 1800 776 863 or submit an online enquiry. If not, you can click the apply now button to get your online application started for same day cash loans.

Apply to borrow up to $50,000 now!

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Here’s what a loan might look like

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
Repayments Per Week Total 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
  • Minimum loan period: 61 days
  • Maximum loan period: 2 years

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.”