Need a small cash loan fast?

How’s 24 hours* from now? Is that fast enough?

At Spotter, we aim to approve your cash application 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 by email.

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

You can repay your cash loan over a term of between 3 and 12 months.

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 fast 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 a fast cash loan 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 a cash loan or credit card is better for you.

Cash loan or personal loan?

Personal loans are a good alternative to a 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, include who you bank with.

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.

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


Loan Amount

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

Medium Loan Example


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 fullFee 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.