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What people use us for

The situations customers most often come to us with. Each one sets out what to try first, a payment plan, a warranty, a hardship arrangement, before borrowing, and what a loan is actually useful for if that is not enough.

  • Car repairs

    Rego, a new set of tyres, or the bill after a breakdown. Most car repair loans sit in the small amount range and are cleared over three months.

  • Medical and dental

    Gap payments and treatment that will not wait for payday. Larger dental work usually suits a medium amount loan over a longer term.

  • Utility bills

    A quarterly bill that landed larger than you planned for. Talk to your provider about a payment plan first, if that is not enough, a small loan can cover the gap.

  • Moving costs

    Bond, removalists and the connection fees that come with them. Spread across the first few pay cycles in your new place.

  • Appliance replacement

    When the fridge or the washing machine gives out mid-week. Replacing it cannot wait for the next pay.

  • Travel at short notice

    A funeral, a family emergency, a flight you have to be on. Funded within the hour once approved.

Not sure which applies to you?

Every application is assessed on whether the repayments fit your circumstances, whatever the money is for. If you would rather talk it through first, our team can help.

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MoneySpot Finance Pty Ltd, ACN 166 488 197, Australian Credit Licence 450305. Member of the Australian Financial Complaints Authority (AFCA).

Representative example: borrow $200 over 3 months at to be confirmed p.a. Fees and the total repayable are disclosed before you apply, final wording pending compliance sign-off.[to be confirmed, awaiting sign-off]

MoneySpot Finance Pty Ltd holds Australian Credit Licence 450305. All applications are subject to assessment and approval. Our loans are Small Amount Credit Contracts and Medium Amount Credit Contracts as defined under the National Consumer Credit Protection Act 2009. All fees, charges and repayment terms are set out in full in your credit contract before you sign.

*The comparison rate is 65.4962% p.a., calculated on a $2,500 loan over 2 years.

Note: this comparison and term is prescribed to be used as an example under Australian law (National Consumer Credit Protection Regulations 2010 (Cth) Reg 97). Moneyspot does not offer loans over a 2-year term.

WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. (Reg 99(4))

Figures current as of 2026-09-09. © 2026 MoneySpot Finance Pty Ltd.