At Spotter you can apply online

At Spotter we’ll spot you fast with online loans up to $2000. You can choose your loan repayment term from anywhere from 3 months to 6 months.

To start the process, click on the apply now button below!

The advantage of Spotter is that in most cases you will not need to fill out any paperwork for your online loan to be approved.

The application is done over the phone with us and once completed can be processed electronically using an electronic signature process.

  • In most cases you will not need to print/scan or fax any documents

  • Documents can be returned using your smart phone or computer in minutes.

  • Once approved, we will send funds immediately to your bank account.

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

We process online loans fast. Once we have all the necessary documentation we will generally be able to assess your loan within 60 minutes and provide you with an answer. If you are successful we will send out a loan contract online which you can once again sign on your smart phone or computer. We will send out the cash to you immediately upon receipt of your loan contract.

From beginning to end our loan process is paperless for the majority or customers.

Apply to borrow up to $5000 now!

Apply Now

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 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."

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