Spot Loans delivers a fast, simple and responsible service that is dedicated to providing you with a solution to meet your financial needs by:
Assessing your financial requirements with you
Attending to all the necessary paper work and requirements for your loan application to be assessed by the credit provider
Addressing any questions or issues you may have during the term of your loan
Advising you of our fees and charges as soon as you tell us how much you wish to borrow
We specialise in Fast cash loans
Personal loans $500 to $3,000 with terms from up to 12 months.
How to Monitor and Protect Your Credit
For many people, your credit is your future. All of your large financial transactions depend on your credit being solid and staying that way. If you want to buy a car or a house, you need good credit. So it is always important to protect your credit from identity theft and fraud.
A budget is a critical tool for managing your personal finances, whether you are looking to turn around your financial situation or to build more wealth with your current salary. These practical, insightful tips can guide you in creating any type of personal budget.
Financing is one of the first considerations that car buyers arrange for before making their purchase. However, not all car loans and lenders are the same, so the borrower should take time to research their options. Along with researching and comparing car loans for a better deal, the new car buyer can review the alternative financing options that might be available.
Spot Loans is the registered business name for Fundco Pty Ltd ABN 11 132 650 205 Australian Credit License No. 385579.
Spot Loans complies with all relevant Commonwealth and State Legislation.
At Spot we do NOT charge you anything if you are unsuccessful with your loan application. If successful we can charge a fee based on the loan product you choose. All fees will be disclosed upfront and prior to entering into any contract.
Annual Percentage Rate (APR)
For our Fast Cash Loan product the credit provider may offer you a loan with an APR up to 48%pa. An APR alone does not always reflect the full cost of the loan, so it is important for you to consider all other fees and charges relating to the loan.
You should contact us if you would like to renew/refinance your loan. This is not an automatic process and most lenders would consider renewing/refinancing your loan subject to meeting their lending criteria and responsible lending obligations. Fees may be imposed and would be disclosed to you up front.
Implications of Non Payment
Financial Implications - Each lender has its own policy and Non Payment may result in additional fees being imposed. These will always be disclosed to you before you enter into any loan agreement.
Collection Practises - Each lender has its own collection policies and procedures regarding outstanding debts. In the first instance, most lenders will contact you by phone or letter in order to discuss payment. Some lenders may pursue their right to payment through the courts and you should seek legal advice if required. You should always contact your lender as soon as you become aware that you may not be able to meet a repayment, to make alternative arrangements.
Potential Impact on Credit Score/History - Non Payment may affect your credit score/history and your ability to borrow in the future.
All fees associated with the loan will be disclosed upfront.