Get quick cash loans from Australia’s trusted lender

Facing a rough patch and require a quick cash loan in Australia to get you through until your next payday? You have come to the right place. Spondooli’ Fast Money’ offers quick cash loans to Australians in need of urgent cash to deal with for unforeseen expenses.

As a lender in quick cash loans, We understand that people don’t always have time to queue up for hours to borrow a small amount of cash. Spondooli offers 100% online, quick cash loans 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!

Quick cash 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

Quick Cash 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 quick cash loans online up to $5000, Spondooli ‘Fast Money’ is the name Australian’s trust. 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. Plan a vacation, fix your car, or deal with an unexpected bill – our super-fast loans have you covered!

Our reputation as a responsible lender has led more than 125,000 Australians to choose Spondooli ‘Fast Money’ to ease their financial hardship. No matter where you live in Australia, you can apply for a quick cash loan. Utilise our online platform to get the cash you need, instead of waiting in a queue.

Our team of cash loan experts will review your loan application and once approved, the funds will be deposited in your bank account within hours. 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.

Spondooli’ Fast Money’ cannot help if your purpose is to repay any existing loans or if you have more than one outstanding loan. We don’t want to add to your financial burden, so please read about our responsible lending practices.

98% of our customers left satisfied

You’re in good company

Apply in minutes for your fast payday loan

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You’ll get a fast conditional payday 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 payday 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 quick cash loan for?

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The minimum and maximum quick cash 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 cash 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 quick 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 quick cash 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 Quick Cash Loan

Frequently asked questions

Spondooli ‘Fast Money’ quick cash loans are short-term loans with a quick and easy online application process. The funds are directly deposited into the borrower’s bank account soon after their application is approved.

Our online quick cash loans are unsecured, meaning that the borrower is not required to provide any collateral like their house or a car when accessing an online cash loan. This type of loan is a solution for you if you need emergency funds and can pay them back within 90 days.

The eligibility criteria for a Spondooli ‘Fast Money’ quick cash loans online in Australia is pretty straight forward. You have to be Australian citizen, or a permanent resident who is above eighteen years of age.

Furthermore, in order to qualify for a quick cash loan, you must have a verifiable permanent income source and be able to provide 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 a Spondooli loan.

We lend between $200 and $5,000 for quick cash loans. Depending on your financial health and your ability to repay the loan, we may be able to lend you a certain additional amount. New applicants may only borrow a maximum of $500 for their first loan.

To apply for our quick cash loans online, go to our application page and provide the necessary personal and financial details. This 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.

During this process of applying quick cash loans online 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.

Once you submit these details, our team will review your application and get back to you with an outcome within hours. You will receive an SMS from us as soon as your loan is approved. If you meet the requirements, your quick cash loan is processed and deposited in your bank account of the same day. Clearance rates are dependent upon your bank.

Yes, you can receive a quick cash loans the same day you apply for it. Once approved, we deposit funds into your bank account within hours providing same day service. Clearance rates are dependent upon your bank.

However, you will not receive your 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. In other cases, you can get quick cash loans on the same day.

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

Yes, you can apply for a Spondooli ‘Fast Money’ quick cash loan, even if you have bad credit rating; provided that you have a permanent source of verifiable income and can make the repayments.

You can use your funds from your quick cash loan to do anything you want. There are no restrictions. You can use it to buy a gift for your loved ones or for making urgent repairs to your car or home, or anything else you desire.

If you are not able to make repayments of your quick cash loans on time, get in touch with Spondooli as early as possible and explain your circumstances to us. We will then try our very best to work out a payment plan with you to accommodate your situation, and extend your payment to a future date, whilst keeping any additional costs to a minimum.

If we are unable to recover the outstanding money from you, we will pass your file on to our legal department to commence debt recovery action. They will then pursue you for the outstanding amount, plus additional fees and legal costs and register a payment default on your credit rating which will remain on your credit report for 12 years.

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.