Fast cash advance online
within hours

Spondooli ‘Fast Money’ can provide a fast cash advance 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.

It takes 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

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, 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 your fast cash 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 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 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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