Rating based on 34 reviews

SpotMe Now

  • Payday loans up to $5,000
  • Low interest rates
  • Repayment up to 12 months

In-page navigation

SpotMe Now homepage
Author SpotMe Now. Screenshot of SpotMe Now website.
[Accessed May 3, 2023]

Use SpotMe Now for fast cash advances

SpotMe Now is a credit advance provider that aims to help Australians with a little “pick me up” from time to time.

They understand that you won’t always have things under control. As much as you would like to, it is impossible sometimes. Having said that, SpotMe Now is available to help clients in your time of need.

No credit check

Most people are restricted from applying for a bad credit loan because they think their bad credit history will be the reason they are not granted a loan. There is no worry when you ask for financial assistance at SpotMe Now because they don’t do any credit checks.

Although they don’t do any checks, this doesn’t mean you can now start skipping payments because this will dampen your name even further. Instead, you can use this as an opportunity to slowly build your name for the better.

Member registration

Before you can apply for a loan at SpotMe Now loan, you have to register to become a member. After this, you can then proceed with the application process. Unfortunately, you can’t skip this part, you have to register to be a member before you can start applying for a loan.

Loan amounts up to $5,000

Clients can apply anywhere in Australia and get a lender of their choice.

The application is fast, easy and secure. There are no hidden costs and the quick loan application is easy to understand and follow.

Finding the right lender

Seeing how stressed customers are when they are looking for an emergency loan, they have made things easier for you by doing all the hard work themselves and you as the client just reap the benefits.

They look for lenders for clients who minimise the work for them and increase the pressure for them (not that they mind) and they ensure that they get a lender that they will be able to have a good relationship with.

Moving forward

Should you not be happy with the lender they found, they then start the process all over again until you are fully happy with the results they have come up with. Additionally, they have an automated system that will tell clients if a match has been found to sort their payday loan needs. Seeing that this will be a relationship that both parties want to succeed, it is good to ensure that they both understand what is expected of them and how are they going to fulfil their respective expectations.

SpotMe Now – Payday loan

  • Loan Type Payday loans
  • Loan Amount up to $5,000
  • Repayment 16 days to 12 months

Benefits of SpotMe Now

  • Get a payday loan online
  • A simple loan process with quick loan decisions
  • Apply for a loan even with bad credit

Payday loan calculator

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

SpotMe Now - They have fast loan turnaround times

The online application is free and clients are not required to pay any fees in order to apply for a credit advance.

There are no time limitations to applying for payday loans, you can apply for a credit advance any time of the day, night or weekend!

Loan amount

Clients can borrow a minimum amount of $100 and a maximum amount of $5000

Bad credit

All bad creditors are welcome to apply for a blacklisted loan with them. Lenders don’t work in the same manner and while some will welcome bad creditors, others won’t be necessarily welcoming.

The time it takes to get feedback

Due to the fact that the loan application process has been automated, you will know almost immediately if there was a lender match found. However, you will only know if your loan application was granted or not when you go to the “History” page. The automated system is a great implementation that gives a lot of clients hope that there is someone who wants to help them as much as SpotMe Now does.

Declined application

Should your application be declined, this means there was no match found at the moment. However, don’t be discouraged, you can reapply after a day or a month later.

Flexible repayment plans

  • There are short-term loans and personal loans that have very affordable rates and are available from payday lenders. A client can loan up to $2000 and repayable between 16 days and 12 months.
  • Personal loans are a little higher, ranging from $2001 and can be repaid in a period of 2 years.
  • The benefit of these flexible plans is that you can decide on your repayment details and change it where you see it needs alternations. Everything is under control as long as it is in line with the policies and procedures of the lender’s agreements and contracts.

Proof of employment

Part of the loan application will be proof of employment that has to be submitted by the client. They need to see that the customer has a steady job, earns a decent salary and is able to afford his day-to-day expenses. Affordability is a very important determining factor for an online loan application.

Zero fees

Although SpotMe Now will be looking for a lender, there are no charges incurred for such processes. All they are doing is ensuring that you get the right lender at the time when you need a loan the most and that the repayment processes are affordable and practical as far as the client is concerned. How good is it to know that SpotMe Now lets you relax while they do all the work?

man holding thumbs up

SpotMe Now is a trusted & reliable provider of payday loans

In our review, SpotMe Now adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, where the granting the loan will not cause financial distress to the consumer.

✅ SpotMe Now is a registered credit provider in Australia: ACL 450321

Customer Reviews & Testimonials

The registration for your loan is simple and easy and takes a few moments.

Blake S
— Perth —

My days of stressing have come to an end now that I know about Spot Me Finance I will never stress about getting a payday loan again.

Catherine H
— Melbourne —

Simple and easy and helpful when you need it most I recommend them.

Jack J
— Brisbane —

SpotMe Now Contact

Contact Number

  • not available



Physical Address

Opening Hours

  • Monday Open – 24 hours
  • Tuesday Open – 24 hours
  • Wednesday Open – 24 hours
  • Thursday Open – 24 hours
  • Friday Open – 24 hours
  • Saturday Open – 24 hours
  • Sunday Open – 24 hours