Top Ranking Payday Loans
in Australia

Payday Loan, Cash Loan, Fast Loan – Whatever you want to call it, we make it easier
to borrow money quickly.

At Spondooli ‘Fast Money’, we help Australians who are short of cash due to sickness, bills or unexpected emergencies. Whether you need a cash advance, access to a payday loan, cash loan or emergency money, Spondooli ‘Fast Money’ can provide you a short-term payday loan or cash solution.

We all find ourselves in situations when a little cash is needed to get us through. Emergencies, rent and overdue unexpected bills can make life extremely stressful especially when money is tight. Sometimes it’s just a small amount that’s needed. Spondooli can provide fast and efficient, payday loans or cash loans to make life that little bit easier.

Applying for Spondooli ‘Fast Money’ payday loans is simple and stress free. No credit verification is required, and applications take a few minutes to process. In just three easy steps, you can get your payday advance deposited in your bank account within hours.

Payday loan in just 3 easy steps!

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Apply online

Takes minutes to complete

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Fast approval

Our team will process your application within minutes

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Money arrives

Once approved, money is deposited into your bank account within hours

Personal finance that fits you

Express Payday Loans

  • Get money in your bank account within hours
  • No extra charges apply!
  • We have a simple online application
  • Applicable with all banks

Spondooli ‘fast money’ online payday and cash loans

It is inevitable that payday advances and cash loans will be necessary, despite our best efforts to manage our finances. Occasionally, life takes us by surprise, and when we will need fast cash, we cannot predict when it will happen.

We understand how stressful it can be to borrow money in an emergency, so we have made the borrowing process as easy as possible – with no hidden fees!

We at Spondooli ‘Fast Money’ understand this urgency and have developed an online platform that is safe and quick.

Spondooli is a lender you can trust

Spondooli’s payday loan Australia has helped more than 125,000 Australians with payday advances and cash loans. With years of experience, we have developed a trusted and leading payday or cash advance application system that can have the money deposited into your account within hours. Just follow three easy steps.

Our responsible lending practices include reviewing all applications thoroughly. You will not be able to get help from us if you have to repay 2 or more existing loans or if you have several outstanding loans. We don’t want to put you under even more financial pressure, so read about our responsible lending practices here.

You can learn more about how it works and when you need to repay by looking at our FAQs.

98% of our customers left satisfied

You’re in good company

Apply in minutes for your fast payday loan

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You’ll get a fast conditional payday loan offer

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We’ll verify your information

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On final approval, the money is sent to you on the same day!

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Once you’ve signed your short term loan contract, we’ll make a few checks to verify your details. If you are a new customer, we will need to see your most recent 90 days banking transactions. You will need to provide 2 forms of your ID; we aim to make the whole online loan process hassle free.

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After all your details have been confirmed we will contact you to let you know your payday loan application has been approved. We’ll then transfer the money to your account within hours!

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Learn more about how it works, visit our FAQ page or get started and Apply Online right away.

$2.03 million Loans have been approved since 2011

125,000+Happy customers today

How long is my payday loan for?

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The minimum and maximum loan term is 63 to 90 days, depending on your payment frequency. The actual term of your advance loan will depend on your current pay cycle and the date of your application. We are happy to adjust repayments to suit whatever preference you may have, so please feel free to get in touch and let us know.

We charge an Establishment of 20% of the sum borrowed, along with an additional 4% Fee for every month the advance is owing. These advance loans are fee based only and therefore costs are not calculated using an APR. There are no hidden fees, and our loans can be paid out early without a penalty.

Examples of the costs of your payday loan

Borrow Costs Repay
$    200.00 $    64.00 $    264.00
$    500.00 $    160.00 $    660.00
$ 1,000.00 $    320.00 $ 1,320.00

Example: A loan of $1,000 for 63 days has fees and charges totalling $320, Maximum APR of 110.38% and a total repayment of $1,320 (Other credit fees and charges may apply). The Maximum APR is 110.38%. The Comparison Rate, based on a loan of $1,000 over 6 months, is 152.04%. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Does an APR apply to Spondooli?

For our small payday loans of $2,000 or less, an APR (Annual Percentage Rate) doesn’t apply.
These loans are fee-based only, and so they don’t have an APR.

Your repayments will include the principal amount you borrow from us plus the establishment fee and interest charges based on the APR of 47.6158% if your principal amount is between $2,001 and $5,000. In comparison, the rate for advance loans between $2,000 and $5,000 is 65.6597% p.a.

*This comparison rate is based on an amount of $2,500 over 2 years and a $400 establishment fee.

WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

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We understand the importance of knowing your personal information is protected. This site is 128-bit SSL secured, meaning all data going to and from this site via our application form is fully encrypted.

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Frequently asked questions

Quick cash loans are what Spondooli payday loans are all about.  If you apply within business hours Monday through Friday, the funds are typically available within hours of your application. They are suitable for use in financial emergencies because they are small and unsecured loans. If you are searching for the best payday loans online in Australia, contact Spondooli ‘Fast Money’ today.

Spondooli ‘Super Fast’ payday loans are available for every Australian citizen, or permanent resident who is above eighteen years of age. To apply for a payday loan online, you must have permanent income source, and must be able to provide your most recent payslip, issued by your employer. While applying for a payday cash advance online, you will also be required to provide a bank statement covering the most recent 90 days up to and including the date of application.

Apart from the above, to qualify for payday loans, online the applicant cannot: (a) be in bankruptcy or a part 9 agreement; (b) be only on Centrelink benefits or a pension; (c) have two or more payday loans; and have any missed payments or overdrawn account.

The process to apply for a Spondooli ‘Fast Money’ payday loan online is easy and only takes about 2-3 minutes. Click the Apply Now button or click here to start the process. During the process, you will be required to provide some personal and financial details.

You will need to supply 2x Forms of I.D, your most recent payslip issued by your employer, and your current bank statement from the past 90 days, including the date of application for applying any kind of payday loans in Australia. These statements need to be original bank statements, showing your name, address and all transactions.

Once you submit these details, our team will review your application and get back to you with an outcome within hours. If you meet the requirements, your payday loan will be processed and deposited into your bank account the same day, however clearance rates are dependent upon your bank.

Payday cash advances are short term loans and can be spent on anything you want. Many people use their payday cash advance to tackle unpredictable short-term expenses such as medical expenses, accidents, purchasing new gadgets or unexpected bills, to name a few. However, there is no boundary to what you choose to do with your payday loan in Australia.

Interest rates applicable to your Spondooli ‘Fast Money’ payday loan will vary based on the amount of the personal payday loan you are seeking. Annual Percentage Rates (APR) for small payday loans of $2,000 or less, don’t apply. These loans are fee-based only.

For $2001 to $5000 principal amount payday loans, your repayments will include the principal amount you borrow from us, plus the establishment fee and interest charges. According to the APR of 47.6158%, the comparison rate for loans between $2,001 and $5,000 is 65.6597%. Please see Fees and Charges for a full list of all fees and charges. T&Cs apply – click here for details.

As a responsible payday loans provider in Australia, Spondooli only lends advance cash to applicants who have a verifiable permanent income and are able to make the necessary repayments.

If benefits are your only source of income, you do not qualify for Spondooli ‘Fast Money’ payday loan in Australia. However, if you have another source of permanent income, along with benefits, and your income statements show that you can repay the cash advances, then you may qualify for a payday loan. Contact us if you need to discuss your eligibility further.

You can qualify for a Spondooli ‘Fast Money’ payday loan if you have a verifiable steady income and your bank account reflect that you can repay the amount of payday loans.

Spondooli ‘Fast Money’ payday loan repayments are direct debited from the same bank account your salary is deposited into. The actual amount of your repayments will vary depending on your pay cycle, and advance amount.

We are happy to adjust repayments to suit whatever preference you may have, so please feel free to get in touch should you wish to have any repayments altered.

A credit score is a centralised tool that depicts a consumer’s creditworthiness.  It is based on your credit history, including your number of accounts, total debt level and repayment history. Your score won’t be damaged by a payday loan, as long as you repay it in full and on time, as laid out contract.

Of course, payday loans are legal in Australia and are lent by Spondooli in full adherence with the National Consumer Credit Protection Act 2009 and also the Consumer Credit Legislation Amendment (Enhancements) Act 2012.

If we are unable to recover the outstanding payday advances from you, we will pass your file on to our legal department to commence debt recovery action. They will then pursue you for the outstanding amount, plus additional fees and legal costs, and register a payment default on your credit rating, which will remain on your credit report for 12 years.

Need more help?

Feel free to ask us about it!

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Do you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.

Check your options before you borrow:

For information about other options for managing bills and debts, talk to 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor

Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan

If you are on government benefits, ask if you can receive an advance from Centrelink – website:

The Government's MoneySmart website shows you how small amount loans work and suggests other options that may help you.

* This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.