Rating based on 14 reviews

Personal Loans on Spot

  • Short-term loans up to $1,500
  • Low-interest starting from 48%
  • Repayment up to 12 months

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Author Personal Loans on Spot. Screenshot of Personal Loans on Spot website.
[Accessed May 2, 2023]

Personal Loans on Spot - 100% online loans

Emergency cash expenses can happen at any time. When you need a loan fast turn to Personal Loans on the Spot.

They have been helping clients throughout Australia gain access to an affordable bad credit loan that pays out quickly. Whatever your emergency cost is they have the loan option and loan amount to help you cover it.

They are there to help

When your budget falls short or you need to pay for a broken vehicle or even an emergency doctors visit their short-term loans can help you cover that unexpected expense. Their interest rates are competitive, and this makes their loans affordable. They pride themselves on their fast loan turnaround times, getting you the money, you need in the shortest possible time.

Convenient short-term loans

Their payday loan application process is done 100% online. They understand that you do not have time to stand in queues or fill in endless paperwork, that’s why they use modern technology to help you take out a loan that pays out fast.

Quick cash loans

Personal loans on the Spot, they help Australians when they need quick cash.

They don’t look at your credit history if you have an imperfect credit history you are welcome to apply for a short-term loan with them. Loans will be given according to our affordability.

Fast online loans

At Personal Loans on the Spot, they specialise in short-term microloans that can be used in emergencies. Their application process is simple, and it will only take a few minutes. You can apply from anywhere at any time 24/7.

Simply visit their website and fill out the short online loan application form. After you have filled out the application attach a 3-month bank statement and you will receive feedback on your loan application within 30 minutes after applying.

Instant cash

As soon as you have been approved for a personal loan your loan amount will be paid into your account within 15 minutes. They pride themself in their transparency and all fees including the total cost of your loan will be made clear to you in your loan contract before you sign it.

Personal Loans on Spot – Short-term loan

  • Loan Type Short-term loans
  • Interest Rate from 48%
  • Loan Amount up to $1,500
  • Repayment 3 months to 12 months

Benefits of Personal Loans on Spot

  • Personal loans
  • Quick loans
  • Cash loans
  • Bad credit short-term loans
  • Apply loans online
  • Responsible lending
  • Loan calculator

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.

Personal Loan on the Spot – Instant cash when you need it

With them, you can qualify for a payday loan between $200 and $1500 according to your affordability.

Their repayment terms vary between 90days and 50 weeks. A longer-term personal loan is available on request.

Get a free loan assessment

When you apply for a loan you will get a free loan assessment. Their loans have no interest rates and their establishment fees and monthly costs are included in your loan amount. This makes it easy for you to budget and manage payments each month. Their online platform allows you to apply for a fast cash loan anytime day or night. Loan amounts are processed, and you can get your cash within an hour after applying. They will get you the cash you need when you need it.

Why choose their service?

  • You can apply even if you have a poor credit history
  • Their short-term loans pay out fast
  • Quick and easy online application
  • Get the cash you need within an hour
  • No interest charged on your loan

The loan amount you can qualify for depends on your affordability. They have one of the fastest loan turnaround times in the industry. When you need cash in a hurry then Personal Loans on the Spot has the emergency loan solutions you are looking for.

Customer Reviews & Testimonials

I applied for the instant cash loan. I was very surprised when I receive the money in 15 minutes. Very fast.

Luke J
— Gosford —

I was able to apply for the loans in the comfort of my home and the loan was approved. Thank you for the convenience.

Dylan B
— Bathurst —

I felt at home when I went to the branch. The guy who helped even offered me a tea since it was freezing. Friendly and knowledgeable staff.

Gabriel K
— Fremantle —

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