Borrow quick cash from Australia’s trusted lender
Facing a rough patch and require some quick cash to get over it until your next payday? You have come to the right place. Spondooli’ Fast Money’ offers quick cash loans to Australians that need some urgent cash to pay for unforeseen expenses.
From instant coffee to instant pizza delivery these days, everyone wants things done instantly. As a leader in offering small cash loans, we understand that people don’t have the time to queue up for hours to borrow a small amount of cash. Spondooli ‘Fast Money’ offers entirely online, quick cash loans for up to $5,000 within hours!
Take five minutes to apply online and get the money deposited into your bank account within hours. No queues, no paperwork and no credit check – it’s as simple as that!
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
Hassle-free quick cash loans against bad credit
For those in need of a loan of up to $5000, Spondooli ‘Fast Money’ is the name Australians trust. And even if you have a bad credit rating, don’t worry – we can offer bad credit loans for up to $2000 without checking your credit file. Whatever your need – planning a holiday, repairing your car or dealing with an unexpected bill, our super-fast loans have you covered!
Because of our reputation as a responsible lender, more than 125,000 Australians have chosen Spondooli ‘Fast Money’ to ease their financial distress. You can apply for a quick cash loan no matter where you live in Australia. Don’t waste your time in a queue – use our complete online platform to get the cash you so badly need.
Our team of cash loan experts will take only minutes to review your loan application and once approved, the funds will be deposited in your bank account within hours. And with our Direct Debit services, even the repayments are hassle-free! You don’t have to bother about keeping repayment reminders – they are debited directly from your bank account on the scheduled dates. See our How it Works and FAQs section for more information on the way we work.
As responsible lenders, Spondooli’ Fast Money’ cannot help if your purpose is to repay any existing loans or you already have several loans outstanding. Adding to your financial woes is the last thing we want to do, so please read about 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!