Express Lifestyle Loans

Instant lifestyle loans for Christmas, shopping, Ubereats, rideshare, holidays – Whatever you need!

Live your life the way you want and don’t let money troubles dampen your celebration season. Everyone can have a soft spot for treating themselves and others around them. Whether it be shopping, showering your friends and family with gifts, throwing a big Christmas party, trying some hands at a casino, taking your special one on a gorgeous date, or heading on a much-needed holiday. It can be anything that you love that is a part of your lifestyle. With Spondooli ‘Fast Money’ at your disposal, money won’t come in the way of you indulging yourself every now and again.

As one of the emerging Fintechs, Spondooli offers a wide range of short-term lifestyle loans up to $5000, as we believe this can make a huge difference in maintaining your lifestyle. With our fully online loan system, you can apply for a Christmas shopping loan, Ubereats loan or even a holiday loan at any time, from anywhere in Australia.

Accessing a lifestyle loan to make up for an urgent short fall, has never been so easy. We have taken out the lengthy credit verification process and the stress involved and replaced it with a three-step process for easier applying, approval and transfer of the funds into your bank account.

Any of your lifestyle desires don’t have to be a burden. So, just relax, hit the Apply Now button below, fill out the form and get your lifestyle loan within hours, then you can enjoy life the way you want.

Lifestyle 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

Express Lifestyle Loans

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

Instant lifestyle loans for enjoying the finer things in life

Spondooli ‘Fast Money’ is a trusted & valued name in Australia, for all your lifestyle loans. Whether it be a holiday loan, Christmas loan, shopping loan or even an Ubereats loan – we provide cash loans to fulfil each and every desire you have, in the spur of a moment. Yes, you heard that right – we offer up to a $2000 instant loan without checking your credit score and without ever asking the purpose.

Our lifestyle loans including Christmas or holiday loans, among others, are available seven days a week. Apply before 3PM AEST and the money will be in your bank account within hours.

We are upfront about all the costs involved and you will be able to review them before applying. Our team review every application for a lifestyle loan thoroughly before approving it. We take our business seriously and give the utmost importance to our customer’s interests and privacy. However, we are not in a position to lend lifestyle loans to repay your existing loans. You can read our responsible lending practices here.

98% of our customers left satisfied

You’re in good company

Apply in minutes for your fast lifestyle 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 lifestyle 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 lifestyle 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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Check your options before you borrow:

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