Online loans are quick and easy

Applying for an online loan is quick and easy.

Too busy to go to a bank during the day? Can’t get out of work to visit a lender? Prefer to submit your application online? At Spotter you can apply for a loan online or over the phone.

We’ve made applying for an online loan as simple as can be.

How fast can I get the cash?

If approved, you could have the cash in your bank account in as little as 24 hours. We’ve made our application process so simple that we aim to have your loan application approved in only one hour after you return the documentation to us.

What kind of online loan could I get?

At Spotter we offer a wide range of online loans to help get you out of trouble.

Need money for a holiday? Do you have unexpected bills that have come up out of the blue? Need to buy your partner a birthday present? Car broken down and needs fixing? Maybe you need to renovate your house?

How much can I borrow?

We offer small online loans of up to $2,000, medium loans of between $2,000 and $5,000 and larger loans over $5,000.

How long will I have to repay my loan?

For small online loans up to $2,000, you’ll generally have between 90 days and 1 year to repay the loan.

For medium loans $2,000 to $5,000 you’ll usually have between 90 days and 2 years.

For large online loans (over $5,000) such as personal loans, repayment terms can extend beyond 2 years, please ask us about this when we speak to you.

These are general guidelines only and you can discuss your preferred loan arrangement repayment period with our loan assessors prior to being approved. It’s important to us that you can afford the loan repayments, so we work with you to pick an appropriate loan repayment schedule. Make sure you ask us about that on the call.

How long will it take to apply?

Generally, to have your online loan approved we’ll need to chat with you for 15 minutes by phone to get some information, or to verify some of the information you provided. Having said that most of the information we require to assess the loan can be done electronically as part of the online loan application. If you are successful in qualifying for a loan, we will then send you the contract form which you’ll sign and return to us. You can sign it electronically on your smart phone or computer as well.

If you are successful in obtaining your online loan, then we will also need to verify your identity prior to authorising the loan. This is an easy step that involves you sending us a a copy of your ID (such as a driver’s licence) by taking a photo and texting it to us.

After this, you’ll send us some final documentation and then we can lodge your application electronically which takes only a few seconds.

What type of loan is right for me?

The online loan that’s right for you will depend upon your needs and your personal circumstances.

Car loans for example can often only be used to purchase a car. Other loans can be used for any purpose you choose.

Give us a call and we’ll provide you with the information you’ll need to decide which loan best suits your circumstances.

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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

$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 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."

Minimum repayment term 90 days, maximum repayment term 12 months.