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Snappy Payday Loans review
Quickly find a lender with this online connection service.
Comparing lenders takes time, but with Snappy Payday Loans, you can find a lender without the hassle. Just be cautious. Short-term loans are expensive, and there isn’t much information about the rates and terms its partner lenders offer.
Be a US citizen or permanent resident, be at least 18 years old, continuous source of income, active checking account
Be at least 18 years old
Active checking account
Be a US citizen or permanent resident
Continuous source of income
What is Snappy Payday Loans?
Snappy Payday Loans is a loan connection service that works with lenders that offer payday loans, installment loans and lines of credit. You don’t need to have good credit to qualify, and the process is relatively quick — just fill out a quick online form to get connected with lenders that might be able to help. The amount you can borrow, along with the terms you qualify for, depends on your state of residence.
Snappy Payday Loans does not offer its services to residents of Georgia, New Jersey, New York or North Carolina.
What are the benefits of using Snappy Payday Loans?
From its lax credit requirements to its fast turnaround, there are a few perks of using Snappy Payday Loans to find a lender:
Get matched with multiple lenders. As a loan connection service, Snappy Payday Loans matches you with multiple lenders that may be able to help. This makes it easier to compare offers and find the best deal.
Bad credit OK. Provided you have an active checking account and have been employed for at least a month, you may be eligible for a loan — even if your credit isn’t the best.
Quick turnaround. Snappy Payday Loans processes your application in under four minutes to let you know if you’ve been connected with a lender. And if your lender approves you, you may be able to get your funds as soon as the same day.
What to watch out for
Consider these potential drawbacks before using Snappy Payday Loans:
Not transparent about loan amounts and terms. There aren’t many details about what rates and terms you might qualify for on Snappy Payday Loans’ website. This means you’ll need to fill out its online form to see how much you might be able to borrow and what it will cost you.
No borrower reviews. It doesn’t have a Better Business Bureau (BBB) or Trustpilot page. And with no reviews from previous borrowers available, you won’t know how well its connection service works until after you fill out its online form.
Bank account required. Unlike some payday loan providers, all of the lenders in Snappy Payday Loans’ network require you to have an active checking account to qualify.
How does Snappy Payday Loans compare to other lenders?
You can contact Snappy Payday Loans about limiting the sharing of your personal information. This won’t limit it totally, but it can help. You can also consider your short-term loan alternatives to see if there are any other options that might better suit your needs.
Is it safe to apply with Snappy Payday Loans?
In general, yes — though no website can ensure your information stays 100% safe. Snappy Payday Loans does its part by using 128-bit encryption to safeguard the personal details you enter online. However, this doesn’t mean your information won’t be shared with third-party lenders — a common practice among short-term loan brokers.
Snappy Payday Loans reviews and complaints
Snappy Payday Loans doesn’t have a page on the BBB or Trustpilot. This means you won’t be able to rely on feedback from former borrowers before using this connection service. If you do decide to go with Snappy Payday Loans, be sure to check reviews for the lender you’re connected with. This way, you’ll know what you’re getting into before committing to the loan.
Am I eligible?
To qualify for a loan from one of Snappy Payday Loans’ partner lenders, you must meet the following requirements:
Active checking account
Steady source of income
US citizen or permanent resident
At least 18 years old
How do I get started?
Filling out the Snappy Payday Loans online form should only take 10 minutes if you have all the information on hand. Follow these steps to get started:
Go to the Snappy Payday Loans website.
Enter your first and last name, email, phone number and state of residence. Click Submit.
Select how much you want to borrow.
Enter information about yourself, including your Social Security number and address.
Enter your bank account information, including your routing and account numbers.
Enter information about your employment, including your income and next two pay dates.
It may take up to four minutes for Snappy Payday Loans to review your application and connect you with a lender that may be able to help.
I was connected with a lender. Now what?
Once you’re connected with a lender, you’ll need to complete its application and wait to see if you’re approved. If you are, read over your contract carefully. It should outline the cost of borrowing as well as your payment schedule.
If you fail to make repayments, you may be on the hook for late fees and other charges depending on your lender’s terms. Make sure you can afford to pay back your loan before you borrow, and don’t be afraid to contact your lender if you think you may have trouble making repayments.
Snappy Payday Loans can be a convenient option when you’re looking for a short-term loan but don’t have time to shop around for a lender. However, it’s not up front about what rates and terms its partner lenders offer. And with limited customer reviews, you won’t know what you’re getting into until after you complete its online form.
You can contact a Snappy Payday Loans representative by emailing firstname.lastname@example.org or calling (844) 390-0450.. Customer support is available weekdays from 8 a.m. to 8 p.m. ET.
The maximum you can borrow depends on state regulations, the lender you’re connected with and your ability to repay the loan. Snappy Payday Loans won’t be able to give you an estimate until after you fill out its online form.
Since Snappy Payday Loans and its network of lenders operate online, you need to enter your checking account so your loan funds can be deposited. This is also how your payments will be withdrawn, so read your loan contract carefully to make sure you have enough in your account when your payments are due.
It depends on the laws of your state. You may still be able to apply for an installment loan or line of credit, provided you qualify.
Elizabeth Barry is Finder's global fintech editor. She has written about finance for over six years and has been featured in a range of publications and media including Seven News, the ABC, Mamamia, Dynamic Business and Financy. Elizabeth has a Bachelor of Communications and a Master of Creative Writing from the University of Technology Sydney. In 2017, she received the Highly Commended award for Best New Journalist at the IT Journalism Awards. Elizabeth's passion is writing about innovations in financial services (which has surprised her more than anyone else).
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