Instant loans online in Australia approved for
up to $5000!

Spondooli ‘Fast Money’ makes securing an instant loan online a seamless and quick process.

Despite a meticulously planned monthly budget, there are often times when you are confronted with unexpected bills. For times like these, we offer speedy online loans to Australians without the drama of paperwork.

Spondooli offers loans that are second to none in terms of speed. Our online loan application system you can apply for a speedy personal loan of up to $5000 and learn the outcome of your application instantly. When the need arises for instant loans, people know they can turn to Spondooli for ‘Fast Money’.

It takes under five minutes to apply and receive instant conditional approval from our loan approval system. We value your time and will let you know if your application is successful as soon as possible (during business hours). Once approved, the process for transferring the funds to your bank account begins immediately, and the money is cleared in your bank account within hours!

Instant loans 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

Instant Cash Loans

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

Instantly reviewed cash loans

Spondooli ‘Fast Money’ is one of the fastest loan providers in Australia. Trusted by many Australians, we offer express online cash loans for up to $5000. The entire loan process takes place online, which means no paper work, no standing in queues and of course – no stressful days lost while waiting to know the outcome. All you have to do to acquire your cash is to enter your details online in three easy steps.

We focus on providing prompt services to our clients. We understand that financial distress can happen to any one of us and believe that all Australians needing assistance should have access to cash loans that don’t take hours of paperwork. Whether you need the cash for a personal emergency or a well-deserved holiday.

Spondooli ‘Fast Money’ is a responsible and trusted lender in Australia. We have no hidden fees and our loans can be paid out early without penalty. As responsible lenders, we won’t be able to help if you’re applying for a loan to pay off an existing loan, or you have too many outstanding loans. We don’t want to put you under more financial pressure, so make sure to read our responsible lending practices.

98% of our customers left satisfied

You’re in good company

Apply in minutes for your instant 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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Frequently asked questions

Instant cash loans are small loans that can be available quickly, usually on the same day. As these are unsecured loans, the borrower doesn’t need to provide collateral. These are like a payday loan and are an emergency solution if you need emergency funds and can pay them back within 90 days.

The review and approval processes are fast, and the outcome is often provided within hours. If your application is approved, we can transfer the funds into your bank account within hours.

Spondooli ‘Fast Money’ offers some of the best online instant cash loans in Australia. As one of the leading small cash loans lender, we provide personal loans, payday loans, short term loans, quick cash loans, AfterPay cash loans, life style loans and personal loans up to $5000 in Australia.

To be eligible for an instant cash loan in Australia you have to be Australian citizen, or a permanent resident and should be above eighteen years of age. Apart from that 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 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 an instant cash loan.

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

To apply for an instant cash loan online in Australia, go to our application page and provide the requested personal and financial details. The process to fill out the form takes under five minutes and the outcome of your application will be provided to you within hours.

To apply for an instant cash loan, you will need to provide 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.

Yes, we offer instant cash loans online even if you have bad credit rating; provided that you have a permanent source of verifiable income, have your bank account in good standing and can make the repayments.

Spondooli ‘Fast Money’ instant cash loans are near-instant. It takes under five minutes for you to apply and provide us with the required documents. Upon reviewing your application, we provide you with the outcome instantly, and if your application is approved – the process of transferring funds to your bank account starts immediately.

However, transfer of funds into your account may be delayed 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.

We review applications up until 3PM on weekdays. Applications received after that or on holidays, are processed the following business day.

No. Our instant cash loans are collateral free. If you meet our eligibility criteria and if your bank account is in good standing, we provide instant cash loans even if you have a bad credit rating.

No, a person solely dependent on benefits is not eligible for an instant cash loan. However, if you have other sources of permanent income along with benefits, and that is reflected in their bank statement, then the individual might qualify for an instant cash loan. Contact us if you need to discuss your eligibility further.

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

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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.