How it works
Four steps. Four minutes.
01
Apply online
4 minutes
02
Connect your bank
Read-only, encrypted
03
We assess
Affordability, not scores
04
Get funded
Often within the hour
*The application takes about four minutes. Processing usually takes about an hour. Some applications need a manual review and take a little longer, and how quickly the money lands also depends on your bank.
See the full processWhy us
Why Moneyspot?
Funded in an hour
Imperfect credit considered
Matched to your pay cycle
Full cost before you sign
Use cases
Is this you?
Whatever it is, we've got you.
Eligibility
Can I apply?
- You're 18 or over
- You're an Australian resident
- You're employed with a regular income
- Valid identification
Receiving Centrelink payments doesn't automatically rule you out. So long as you're employed and regular income is coming into your account, we'll consider your application. We can't guarantee approval.
Reviews
What people say
Applied on my lunch break and the money was there before I finished work. The repayment dates lined up with my pay, which made it easy to keep on top of.
The car needed a new clutch the week before Christmas. What I liked was seeing the total cost before I applied rather than after.
I had to move a repayment after a shift got cancelled. One phone call and it was sorted without a fuss.
Ready when you are.
Four minutes to apply. Funded in about an hour.
Apply nowASIC regulatedBank-level securityAssessed 8am–8pm AEST