Fast cash advance loans online
within hours

Spondooli ‘Fast Money’ can provide a fast cash advance loans up to $5000 to Australians in their hour of need. We offer cash advances without making you wait in queues for hours, fill in lengthy forms and submit loads of documents. We don’t ask you to wait for days to get your approval and you don’t have to come to us to get the cash! Using our secure online loan application system, you can apply, submit & get paid within hours.

Since 2011, we have been providing small quick loans to Australians across the nation. Anyone with a computer can apply for a fast cash advance from Spondooli from any part of the country and have it deposited into their bank account on the same day.

Cash advance 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 Cash Advance Loans Australia

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

Transparent and affordable cash advance loans

Spondooli ‘Fast Money’ is one of the most trusted lenders in Australia providing affordable fast cash advances. We have earned our reputation as a responsible lender and we make every effort possible to uphold that trust. As such, applicable fees and charges for any amount of loan including the repayment breakdown, is emailed to you along with the loan agreement. We have a responsibility to provide borrowers with all the information required to make a well-informed decision for a Spondooli cash advance loan, and you should proceed only if you are happy with our terms and conditions.

You can apply if you are an Australian citizen, not in a bankruptcy or debt agreement. Simply provide evidence of your regular income showing you can manage the repayments. We are one of the most affordable lenders in Australia and the Spondooli reputation is one you can trust. We are above board and have no hidden charges and our terms are clearly stated.

98% of our customers left satisfied

You’re in good company

Apply in minutes for a cash advance 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 cash advance 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 cash advance 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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Frequently asked questions

Our fast cash advance online service is a form of small online cash loan that can be accessed quickly using an easy three-step online application process. The funds are directly deposited into the borrower’s bank account soon after their application is approved.

Fast cash advances are unsecured loans, meaning that the borrower is not required to provide any collateral to access this quick cash loan. This type of loan is a solution for you if you are in need of emergency funds and can pay them back within 90 days.

To be eligible for an online fast cash advance in Australia you have to be Australian citizen, or a permanent resident and above eighteen years of age.

Additional criteria to qualify for the advance includes: you must have a verifiable permanent income source and be able to provide a copy of a recent 90-day bank statement reflecting your income source.

However, any applicant who: (a) is in bankruptcy or has a part 9 agreement; (b) is only on Centrelink benefits; (c) has two or more payday loans; or (d) has any missed payments or an overdrawn account, is not eligible for this short-term online loan.

Spondooli ‘Fast Money’ can lend anywhere between $200–$5000 as a fast cash advance, based on your financial health and your ability to make repayments. If you are applying for this loan for the first time, we lend a maximum of $500.

Applying for a fast cash advance online with Spondooli ‘Fast Money’s usually takes around two to three minutes. It involves going to our application page and providing requested personal and financial details.

As part of the application process, you will be requested to email or upload 2x Forms of I.D, your current bank statement covering the most recent 90 days up to and including the day of application, and your most recent payslip issued by your employer, 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. You will receive an SMS from us as soon as your loan is approved.

We process applications up until 3 pm on weekdays. If you meet the requirements, your fast cash advance is processed and deposited in your bank account on the same day. Clearance rates are dependent upon your bank.

Yes, your online fast cash advance loans can be approved the same day if you apply before 3PM on a weekday. Once approved, we deposit funds into your bank account within hours providing same day service. Clearance rates are dependent upon your bank.

However, you will not receive your fast cash advance funds the same day if; (a) you have applied on a public holiday or weekend – in such cases, your application is processed the following working day; (b) if your bank delays processing the fund transfer.

Nothing. Our fast cash advance online loans are available without collateral. You can apply for a fast cash advance if you are employed or have a permanent source of income and have the ability to make the repayments on time.

No, a person solely dependent on benefits is not eligible for a fast cash advance.

However, if the individual has other sources of permanent income along with benefits, and that is reflected in their bank statement, then the individual might qualify for a quick cash loan. Contact us if you need to discuss your eligibility further.

Yes, you can apply for a Spondooli ‘Fast Money’ fast cash advance, even if you have bad credit rating; provided that you have a permanent source of verifiable income and can make the repayments.

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: https://www.servicesaustralia.gov.au/individuals

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.