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. We 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. You don’t need credit verification 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

Despite our best efforts to manage money, sometimes payday and cash loans are a necessity. We never know what life will throw at us and when we will need cash fast.

Borrowing money in an emergency is stressful, so we have made the whole process as clear and easy to follow as possible – with no hidden costs!

At Spondooli ‘Fast Money’ we understand this urgency and have created a safe, fast and speedy online platform delivered by a team of payday loan experts.

Spondooli is a lender you can trust

Spondooli ‘Fast Money’ has helped more than 125,000 Australians with payday and cash loans. Years of experience has helped us develop a leading and trusted loan application system that will have your payday or cash advance, deposited in your account within hours. Just follow three easy steps.

As responsible lenders we check all applications thoroughly. We are unable to help out if you need to repay existing loans or have several loans outstanding. The last thing we want to do is put you under greater financial pressure, you can read about our responsible lending practices here.

Check out our How it Works and our FAQ pages which go into detail, so you know exactly how much and when you will need to repay.

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 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 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 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 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 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.


If you get a loan where the principal amount is between $2,001 and $5,000, 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%. A comparison rate of 65.6597% p.a. applies to loans between $2,001 and $5,000.


*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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