Same day cash loans
Spondooli ‘Fast Money’ are specialists when it comes to offering cash loans of up to $5000 to Australians when they need a helping hand. We pride ourselves on providing small fee-based loans and have built a secure and responsible online system for processing and approving loan applications fast. All it takes is three easy steps.
Life is so unpredictable and we never know what’s around the corner, it’s peace of mind to know that you can apply for our cash loans online in around five minutes. We have been there for more than 125,000 Australians when they needed small loans. Apply online with a fast application, our team will process your application, once approved the funds are deposited within the hour, it’s that easy.
Providing fast and efficient service to thousands of Australians, we are a lender that values every customer as an individual. This is reflected in the satisfaction of 98% of our customers, many repeat customers who have referred our services to family and friends.
It takes just 3 easy steps!
Takes minutes to complete
Our team will process your application within minutes
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
Online fast same day cash loans – Apply 24/7
Spondooli ‘Fast Money’ is the trusted name in Australia for small cash loans. Our fast and secure lending methods mean whatever the reason for needing a little extra cash, we are there to help. There’s a million reasons why sometimes we all need extra cash. We are there to help in that process. Our focus is on our efficiency and customer service.
Spondooli ‘Fast Money’, same day cash loans are available, seven days a week. Apply before 3PM AEST, the money will be in your bank account within hours.
We are upfront about all the costs involved and there is no time-consuming paperwork, we review all the loan applications and applicants’ financial standings thoroughly before approving the application for cash loans. We take our business seriously and focus on our customers, we are not in a position to lend small cash loans to repay existing loans. You can read our responsible lending practices here.
98% of our customers left satisfied
You’re in good company
“I used Spondooli to help me pay for travel expenses. The service was great – fast but still friendly. Fantastic and Painless Experience. Thank you.”
“Such a seamless and fast application process. I couldn't recommend Spondooli enough to anyone who is in need of some instant funds and wants the money quickly.”
“These guys are always ready to help when you need it most. They helped cover school fees for my brother and I when I was a little low on cash.”
“Their application process was quick and simple. In a short time I had the funds I needed to complete some much needed improvements around the house.”
Apply in minutes for your fast cash loan
You’ll get a fast conditional loan offer
We’ll verify your information
On final approval, the money is sent to you on the same day!
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.
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!
Learn more about how it works, visit our FAQ page or get started and Apply Online right away.
How long is my loan for?
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
|$ 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.
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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Need more help?
Feel free to ask us about it!