Same day online cash loans

Spondooli ‘Fast Money’ are specialists in offering online 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 fast processing and approving loan applications . 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. Kindly 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.

Online cash 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 Online Cash Loans

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

Fast same day online cash loans – Apply 24/7

Spondooli ‘Fast Money’ is the trusted name in Australia for small online cash loans. Our fast and secure lending methods mean whatever the reason for needing a little extra cash, we are there to help. There are millions of 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 online cash loans are available, seven days a week. Apply before 3 PM AEST, and 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

Apply in minutes for your online 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 online cash 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 along with 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 get you aware about the approval of your loan application. 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 online cash 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 online cash 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, 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 two 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.

Apply for a Spondooli Cash Online

Frequently asked questions

Online cash loans are small cash loans that can be available quickly, usually on the same day. These are unsecured loans, meaning that the borrower is not required to provide any collateral to access this online cash loan. This is like a payday loan and is a solution for you 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 the application is accepted, the funds are directly deposited into the borrower’s bank account soon after their application is approved.

Spondooli ‘Fast Money’ offers some of Australia’s best online near-instant cash loans. As one of the leading small cash loans lenders, 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 online cash loan in Australia, you have to be an Australian citizen or a permanent resident and above eighteen years of age.

Additional criteria to qualify for the advance include having a verifiable permanent income source and providing 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 online 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 online cash loan for the first time, we lend a maximum of $500.

Getting an instant online cash loan is very easy and generally takes around two to three minutes to apply. To apply for our online cash loan, go to the loan application page and provide the requested personal and financial details. The outcome of your application will be provided to you within hours.

As part of the 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.

We process loan applications up until 3 pm on weekdays. If you meet the requirements, your online cash loan is processed and transferred to your bank account on the same day. Clearance rates are dependent upon your bank.

You can get an online cash loan by applying for one here. We offer online cash loans even if you have a bad credit rating, provided that you have a permanent source of verifiable income and can make the repayments.

You can get our online cash loans within hours if you apply before 3PM on a weekday. Funds are deposited into your bank account within hours the moment your application is approved by our team.

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 business day; (b) if your bank delays processing the fund transfer.

Yes. Our online cash loans are collateral-free. You can apply for any of our cash loans online in Australia if you are employed, 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 an online 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 online 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

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:

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.