Responsible lending

At Personal Loans On Spot we meet your urgent small cash needs. We provide you quick cash loans that you can pay back in easy instalments. The reason for loan could be an urgent car repair, cash for a short holiday, any unexpected home repair or emergency medical bills….. We will help you by providing cash loan upto $1500 to get you back on the track. We make the payment structure as simple as possible so that our customers can easily pay back their loan amount in scheduled time. Our qualified staff will prepare your loan terms in such a way that you can pay off in easy instalments. We need to check customer’s financial conditions to see whether the customer could easily make the repayments. It is also mandatory by law to check three (3) months customer’s bank statement for all his/her income and expenses. As responsible lender we take all precautions to provide the loan facility only to suitable persons who can easily payoff in due time.

We carefully go through with the minimum of 90 days bank statement for each of our clients and we only approve a loan to a customer who can easily pay off within due time. We don’t want our customers to face a bad credit or financial distress so we only approve safe cash loans lending. This is the only reason our customers are always happy and return back to us every time they need a loan again. We do not provide a loan to ineligible persons.

We are the member of Credit and Investments Ombudsman (CIO). The Credit and Investments Ombudsman (CIO) offers consumers an accessible, independent and fair external dispute resolution (EDR) service, approved by the Australian Securities and Investments Commission (ASIC). Our Credit Licence number is 464528 and we must comply with the National Consumer Credit Protection Act 2009 (Cth) and lend responsibly.

the responsible lending obligations, it is required that credit assistance is not provided to a consumer by:

We only provide a loan to a customer who can easily pay off their loan amount therefore, we do not advise or force our customers to increase the amount of their loan and make the repayments for longer duration. As a responsible lender, we can only provide the customers “Cash” loan amount according to their financial needs and do not push them to apply for loans beyond their financial capabilities.

For all the enquiries relating to our service, Please Contact us.


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