At Spotter we can fund your loan fast

We understand your need for fast cash loans. Our aim is to have your loan approved within 60 minutes of you getting the necessary documentation back to us.

  • In most cases documents can be signed electronically so you don’t need a scanner, printer or fax machine.
  • Once approved, we will send funds immediately to your bank account.

Funds generally arrive within 24 hours, depending on your bank.

How long does the application process take?

  • To conduct the loan application process, we will need you on the phone for about 15 minutes to gather then necessary information to send you an application form. The form can be signed electronically on your smart phone or computer.

  • You will also need to send through a copy of your ID, which can be a picture taken on your smart phone which you can text through to us.

  • The final stage in the documentation process is to provide us with 3 months of bank statements so we can verify your information. Once again this can be done electronically and takes just seconds using a 3rd party processor called Credit Sense.

Processing your loan

In order for you to receive a fast cash loan, we will begin processing your loan as soon as the necessary documentation comes back. In most cases, we will have an answer for you within the hour and if approved we will send out a loan contract for you to sign. Once again this can be signed electronically to make the fast loans process as easy as possible. Once we received a signed contract, we will send the amount to your account immediately.

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.