A Spotter loan can be used to pay for an emergency or when you need urgent cash

At spotter we understand that you need emergency funding from time-to-time when unforeseen circumstances arise. There are lots of reasons why people need emergency funding, but the most common we have come across are for:

• Funerals • Dental bills • Medical bills • Emergency trips • Food/groceries

If you need emergency funding, we will try to have your loan processed within the hour and in the majority of cases there is no paperwork to get back to us, it’s all done electronically/online. Generally speaking, you will have the money within 24 hours if your urgent cash loans are approved.

How much can I borrow with emergency/urgent cash loans?

You can borrow up to $2000 in emergency funding and payment arrangements can be made so the loan can be repaid within 3 months to 12 months.

Dealing with situations where you need cash urgently, is never easy. Spotter Loans gives those in Melbourne and across Australia the opportunity to take out emergency loans to help ease the stress of unpredictable life events.

Let Spotter Loans help with all your emergency cash loan needs in Melbourne & beyond

Sometimes you just cannot predict and account for the emergency situations that happen in your life. And no one understands that better than our team. Accidents can happen, an illness that was unexpected and an unprecedented set back at work that led to bills being harder to pay. Whatever the emergency, it doesn’t have to be as overwhelming when you enlist our services. We take a realistic approach to your financial situation and are committed to making a fair and reasonable assessment for your case to give you the best possible outcome.

We are here to give you the fair go you deserve and ensure you can take care of yourself and your loved ones no matter what life throws at you. Our urgent cash loans can be easily applied for online and can help give you the kickstart you need to get back on your feet.

We understand the time is of essence in emergency situations, so if you give us all the documents we need for your application, we will get it sorted for your promptly.

Applying for a loan with us is fast, easy and reliable: simply click on the apply now button to get started on your application process. If you have any questions or queries, you can reach us by calling 1800 776 863 or submit an online enquiry and we’ll get back to your promptly.

Apply to borrow up to $15,000 now!

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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
  • 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

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.