Fast Cash Loans & Personal Loansfrom $200 to $5000

Money Spot - when you need cash in a hurry. Get fast cash loans with minimal documentation and easy payouts. Apply online for a fast personal cash loan today.

How much do you need?

Fast Cash Loans From $200 - $5,000

Perhaps you’ve been hit with a few unexpected bills at the same time, leaving you short, and you need a quick cash loan. You’re not alone. Don’t stress. Everyday we help lots of customers with a fast cash loan to see them on their way.

At MoneySpot our cash loans are approved and paid within the hour. Apply on your phone or PC, the application takes a few minutes, and receive an instant decision. It’s totally online, simple, easy and fast!

When you need cash in a hurry, reach for your phone, complete the application, and move on. There’s no waiting around. We’ll consider all credit histories, the most important thing is that the repayments are affordable, and don’t take too long. Our typical cash loan is over 3 months, with weekly or fortnightly repayments that coincide with your payday.

Our cash loan calculator allows you to estimate your repayments before you apply, that way you know how much to budget for come payday.

During the application we’ll agree your repayment schedule with you upfront. And during the term of the loan we’ll remind you when a repayment is due. You can login to our members area to check your account balance anytime.

The costs are simple: An establishment fee of 20% of the amount borrowed, and 4% interest fee per month of the amount borrowed. There are no hidden fees, and no penalties for paying out early.

Cash Loans are popular because they are quick and easy, and repaid with the minimum of fuss. You can repay early with the press of a button, or if you need to reschedule, send us an email or give us a call. We’re open 7 days a week.

At MoneySpot we have some of the fastest approval times in the industry. We are processing applications 24 hours a day and making payments up till 9pm every night. If you need a fast cash loan today, we can help.

Apply For An Online Cash Loan In Minutes

We offer personal loans from $200 – $5000. Repayments are withdrawn from your account via Direct Debit on the day that you are paid, either weekly, fortnightly, or on a specific date of the month. The application process is simple and can take a few minutes. During business hours we typically process, approve and send funds in less than 60 minutes. Depending on who you bank with, the money can be with you in minutes or hours – at worst overnight. The majority of our payments are received the same day.

Easy Process. No Paperwork. Get Funded In One Hour

Types of Loans

Our business is regulated by ASIC and our loan products are classified as a Small Amount Credit Contracts (SACC) and Medium Amount Credit Contracts (MACCS). Although they are also commonly referred to as personal loans, cash advances, personal cash loans, cash loans, little loans, quick cash loans and short-term loans.


    Payday loans are small unsecured loans extended for short periods to cover customers in the event of a temporary cash short fall.


    A Cash Advance loan describe loans that are typically less than $500 for ten weeks.


    Fast and hassle-free, emergency loans typically cover medical or vet expenses – unexpected matters that need to be dealt with high priority.


    The phrase short term loans is actually defined as a loan of under 15 days under the National Consumer protection Act.


    Moneyspot personal loans are unsecured loans up to $5,000 available to cover near term expenses that will be larger than normal.


    Moneyspot is one of Australia’s newest online providers of quick cash loans.

How it works in 3 easy steps

We know life doesn’t always go as planned, so we’re here to help by making our service as simple, fast and transparent as possible. Apply for an online cash loan in 3 easy steps.

  • Online application

    Apply using our online loan calculator and application form. We’ll only ask you for essential information that will enable us to assess your application.

  • Quick approval process

    We’ll verify your information and outline the terms of your loan, which you can e-sign online. It takes just minutes to complete.

  • Cash in your account

    Once you’ve e-signed your loan offer, we’ll carry out a few final checks. Once approved, Moneyspot will send your cash within 60 minutes.

Are You Eligible?

You must be an Australian citizen. You must be over 18. You must be employed and have a regular income stream.

Easy Process. No Paperwork. Get Funded In One Hour

Why Moneyspot?

  • We’re a fast loan provider

    Our application form should take you no longer than 5 minutes to complete. Usually we’ve processed your loan a short-time later with the money on it’s way to your bank account in less than 60 minutes. That’s a seriously fast loan.

  • We are committed to responsible lending

    We take our obligations seriously and we don’t want to lend you money if you can’t afford to repay it. This takes our total focus every day.

  • We’re totally online

    You don’t have the time these days to deal with manual loan processes. Get your bank details and ID together and you’re ready to go. You can apply 24/7, we’re always open.

  • We care about customer service

    Just because it’s a small loan, it doesn’t mean it’s not important. If you need to know your current balance, the status of your loan, your repayment dates or get another loan, then you can log onto our secure client area and it’s all there. Alternatively you can call on 1300 048 156 or get us on chat during business hours.

  • We understand things don’t always go as planned

    Things are getting tough and budgeting doesn’t always work out when unexpected things happen. Our cash loans are not like credit cards or other forms of revolving credit you get the money fast, you pay it off fast, and that’s it. If you need us again, just login and apply for an even faster loan.

  • Your credit history isn’t perfect

    You generally do the right thing and pay off your debts and sometimes that takes time. We won’t penalise you because you’ve had some bad luck and you’re credit file isn’t perfect. What we look for is a recent history of repayment and affordability.

Who can apply?

We have a few essential requirements to be eligible for a Moneyspot Loan. You need to be:
  • Over 18 years of age
  • An Australian resident
  • Be employed and have a regular income stream