Australia’s number one for personal loans

We never know what’s around the corner. In so many cases, there are times when we need a small amount of cash to fulfil an urgent need. That’s why we believe that personal loans should be easy and accessible for every Australian who finds themselves needing a helping hand. Whether you need a personal loan due to personal or family illness, mounting bills or unexpected emergencies that are just part of life, we can give you that peace of mind with a short personal loan to fulfil your needs. It’s a simple process if you are currently employed and your wage is paid into a bank account.

With Spondooli ‘Fast Money’ you can apply online for a personal loan in Australia and receive it in your bank account in three easy steps. We take the stress out of shopping around and even if you do compare our personal loan with others, you will find that Spondooli ‘Fast Money’ are among the best available in the market.

So, whether it’s a small amount to cover that unexpected bill or you need up to $5000 fast, apply for a instant loan online and you could have the cash deposited in your account today.

Personal loan 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

Easy Personal Loans Australia

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

Personal loans from trusted Australian lender

When it comes to personal loans in Australia, Spondooli ‘Fast Money’ is one of the most trusted names in the business, and for good reason. We have helped more than 125,000 Australians receive a quick cash loan. We strive hard to make our same day personal loans easily accessible because we know that sometimes the unexpected happens and we all need a little cash to see us through. Our streamlined process includes a fully online loan application and approval process where you can apply for a personal loan from anywhere in Australia. Once you provide the required documents, we will review your application and once approved the money will be in your account on the same day. It’s that simple. We are here to give every Australian the chance to get ahead.

We pride ourselves as a responsible lender so whether you are looking for a bad credit personal loan or a personal loan without a credit check, we are there to help in a responsible and trusted way.

Spondooli offers personal loans up to $2000 without checking your credit history so you don’t have to worry if you have a bad credit history.

We pride ourselves on being a trusted lender, if you are considering acquiring a short term loan online to repay your existing loans, or already have several loans outstanding, then we won’t be able to help out in such circumstances. You can read more about our responsible lending practices here.

98% of our customers left satisfied

You’re in good company

Apply in minutes for your personal 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 personal loan for?

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The minimum and maximum personal loan term is 63 to 90 days, depending on your payment frequency. The actual term of your quick cash oan 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 personal 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.

Apply for a Spondooli Personal Loan

Frequently asked questions

Quick personal loans are small loans that you can apply for online and borrow up to $5000. Spondooli ‘Fast Money, quick personal loans are completely online, and you can access them in case you need emergency funding for an unexpected invoice or expense. The application process takes under five minutes, and you usually get the funds in your bank account within hours.

To be eligible for our short term online loans you have to be Australian citizen, or a permanent resident who is above eighteen years of age. Along with that you must have a verifiable permanent income source and should be able provide copy of recent 90-day bank statement reflecting your income source.

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 overdrawn account, is not eligible for our quick personal loan.

You can apply for a fast cash advance anywhere between $200–$5000. The actual amount you can borrow from us will depend upon your financial health and your ability to make repayments. If you are applying for the first time, Spondooli ‘Fast Money’ can lend up to $500.

To apply for our quick personal loans online, go to our application page and provide your personal and financial details. The process will take around 2 to 3 minutes. Upon receiving your application, our team members will review your application and documents and get back to you with an outcome within hours. Upon approval of your loan, the funds will be transferred to your bank account within hours.

To apply for a Spondooli ‘Fast Money’ quick personal loan online, you will be required to submit 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.

You can receive a quick personal loan within hours of applying for it provided that you apply for it before 3PM on weekdays. Upon approval of your application, the funds are deposited into your bank account within hours providing same day service.

However, you may not receive the quick cash loan funds the same day 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.

No. Spondooli ‘Fast Money’ payday loans are available without collateral. You can apply for the loan 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 our quick personal loan.
However, if the individual has other sources of permanent income along with benefits and if that is reflected in bank statement, then the individual might qualify for a quick personal loan. Contact us if you need to discuss your eligibility further.

You can get personal loan with poor credit rating from Spondooli ‘Fast Money’ if have a permanent source of verifiable income and if your bank account is in good standing.

You can use funds from your small cash loans to do anything you want. There are no restrictions. You can use to pay school fees or pay for utility bills or for making urgent repairs to your car or home, among others.

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.