If you’re looking for a payday loan, there’s every chance that you’re under immediate financial pressure and have something urgent to pay for, like a critical bill, the kids school fees or groceries. There’s no shame in it.

Practically everyone experiences financial strain at some point or another and there’s not always a friend or family member available to help you out, or the option of a personal loan from a bank if your credit rating has suffered.

Short term low-value loans, payday loans, are available for just this kind of emergency. They’re not the cheapest way to access finance and they won’t suit everyone but if you’re in a financial pickle, they might be the best solution for you.

In Australia, there are significant protections in place for payday loan borrowers and the sector is exceptionally well regulated. Nevertheless, there are lenders out there that will take advantage of your difficult circumstances and possibly leave you in a worse situation than you were before.

That’s where Spondooli stands out as one of the leading providers of urgent payday loans. And it all starts with understanding you as our client.

The first thing that will happen if you apply for a Spondooli loan is that we’ll work with you to understand what you need, why you need it and whether you are in a position to cover your obligations. At Spondooli we’re not interested in creating a worse situation for you or getting you into a spiral of debt that you can’t escape.

The next thing you’ll notice with Spondooli is that we’ll ask you for information to support your loan application. It’s required by law and it is the right thing to do. Whether you’ve got other loans in place, whether you can afford repayments, whether you have additional obligations that mean you might struggle to pay, we want to know and we want to work with you to ensure that the product you sign up for is the right one for you.

At Spondooli we also believe in making sure you have access to all the information you need to make the right decision for yourself – whether it’s on our website or through a conversation with one of our customer service representatives, at Spondooli we want you to know what you can expect from us, what we expect from you and what are your rights and responsibilities.

No one wants to be in a dire financial situation – we all want security. But if you do find yourself stuck and need to secure short term finance, make sure you are dealing with a reputable, credible lender that is interested in you, like Spondooli.