Rating based on 27 reviews

Personal Loans on Spot

Personal Loans on Spot homepage
Author Personal Loans on Spot. Screenshot of Personal Loans on Spot website.
[Accessed March 23, 2023]

About Personal Loans on Spot

Expenses usually come up unannounced and, often times when you don’t have the cash to cover them.

We at Personal Loans on Spot in Australia understand these times and can offer relief in times of financial need.

A simple loan application

Paying the rent in time or having to cover a medical expense is a financial concern that needs instant cash. We have a reputable name in the industry for our quick payouts and simple online loan applications.

We are different to our competitors in the market, offering three quick and simple steps to getting those fast short-term loans you need!

Get approved fast

All our personal loans are accessible online, making life a lot easier, managing your time is a big deal with our busy schedules, now you can simply apply for your emergency loan through our online platform without leaving your office.

We even offer cash solutions to those who have a bad credit score and offer clients free loan assessments.

Personal Loans on Spot Services

Quick cash through Personal Loans on Spot can offer immediate relief when your budget looks weary.

We offer personal and short term micro loans through a basic online process.

A One-Paged Application Form to get you Sorted Fast

Apply on our one-page application and include a 3-month bank statement. You will have feedback on your online loan application within 30 minutes as well as an e-contract to sign.

Your contract will include all the terms of your loan agreement including all the fees – we are completely transparent!

Once your agreement is signed you will immediately receive your cash! The bank transfer of your funds take no longer than 15 minutes – record timing to use as you please!

Borrow up to $1500 and pay up in 90 days

We will offer you repayment plans to suit your budget and in line with the amount of cash you are lending.

Loan amounts vary from $200 to $1500 with repayment terms of 90 days and 50 weeks longer-term personal loans are available on request.

Personal Loans on Spot – Short-term loan

  • Loan Type Short-term loans

Benefits of Personal Loans on Spot

  • Personal Loans
  • Quick Loans
  • Cash Loans
  • Bad Credit Short Term Loans
  • Apply Loans Online
  • Responsible Lending
  • Loan Calculater

Short-term loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This short-term loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

No hidden fees & a free loan assessment

Our loans have no interest charges, and our loan establishment fees and monthly costs are all included into your loan amount, making your contract easy to afford with small and manageable repayments each month.

Instant cash when you need it! 

There are a number of reasons why customers in Australia prefer to get financial assistance through Personal Loans on Spot!

Being an online financial firm allows us to assist clients at any point and at any time, which is one of the biggest value adds we offer our clients!

Funds are processed within an hour of an online loan application being received – getting consumers cash they need when they need it!

Extremely competitive rates and fees

Our fees are extremely competitive in the industry and we offer a free quick loan application.

Clients with a bad credit score can also apply for short term cash; terms and conditions apply.

We will assist all clients through Australia who is 18 years and over, has a steady income and have a valid banking account.

Need a short term cash loan in a hurry?

The short-term loan amounts we offer are subject to what you can afford to pay back.

We don’t want you to be in debt every month, so we will assist you with our free loan assessment, to see just what you can afford to borrow.

Throughout our service delivery, you can expect professional and experienced consultants to assist you whenever you need them, and our call line is available for when you need any questions answered.

Customer Reviews & Testimonials

May 2019

After receiving an unannounced expense I was forced to seek financial aid. Personal Loans on Spot provided me with extensive relief in this difficult time and I was able to recover before any dam...

Ingrid F
— Brisbane —

February 2019

With a three-step application, there is no argument that their application process is simple and fast. I am not one for time-consuming paperwork which is why on Spot’s loan process is so attracti...

Julianne J
— Gladstone —

April 2019

Applying online saved me so much time, money and effort. I could quickly log onto their website during my lunch break and get things done before returning to my work day!

Kendrick S
— Goldcoast —

Personal Loans on Spot Contact

Contact Number


  • not available


  • not available

Physical Address

Postal Address

  • PO Box 41, Blacktown, NSW, 2148, Australia

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed