Spotya! payday loans review October 2018 | finder.com
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Spotya! online short term loans

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Who else wants a short term loan of up to $1,000?

A financial blow can drain you emotionally and add undue stress to your already busy life. When you’re having trouble making it to your next payday, a short term loan, also known as a payday loan, may be an option.

Spotya! works with a network of lenders to offer short term loans and cash advances, and it provides these loans in most states. Spotya! is not a direct lender and it does not broker loans or make credit decisions. What it does, instead, is forward your short term loan application to trusted direct lenders.

Spotya! accepts applications from individuals who have bad credit, and in case you don’t meet the lending criteria of their immediate network of lenders, Spotya! can continue looking for another direct lender on your behalf. The Spotya! website uses the latest in technology to make sure that all the information you provide remains secure and confidential.

How do Spotya! short term loans compare with other providers?

Check the websites of any providers you’re interested in to confirm they operate in your state of residence.

Rates last updated October 22nd, 2018
Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
Name Product Product Description Max. Loan Amount Turnaround Time Requirements
CashUSA Installment Loans
A connection service for quick cash loans up to $10,000.
$10,000
As early as 1 business day
Must have a monthly income of $1,000+ after taxes and valid checking account.
OppLoans Installment Loans
Installment loans with competitive rates from a top-rated direct lender.
$5,000
1 business day
Must have direct deposit and meet minimum income requirements.
LendYou Short-term Loans
Apply online with this loan-connection company offering unrestricted short-term loans at high maximums — fast turnaround.
$15,000
1 business day
You must be a US citizen or permanent resident, age 18+ and have a regular income.
Check into Cash Payday Loan
With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
$1,000
1–2 business days
You must be at least 21 and an American citizen and have a bank account, email address and phone number.
CashNetUSA Loan
Apply for a short-term loan with an easy online application and dedicated customer service.
Varies by state
1 business day
You must be a US citizen or permanent resident, be at least 18 years old and have regular income and a bank account.
Jora Installment Loans
Installment loans with repayment terms up to 30 months, depending on your state.
$2,600
1–2 days
Must have an active checking account, regular source of income and email address.
ACE Cash Express Payday Loans
Quick payday, installment and title loans with no prepayment penalty and a 72-hour satisfaction guarantee. Funds can be loaded on an ACE Elite™ Visa® Prepaid Debit Card.
Varies by state
Generally receive the money the next business day
Must be 18+ years old, have a steady source of income and a checking or savings account. Must not be a debtor in bankruptcy.

Compare up to 4 providers

Types of loans from Spotya!

The only kind of loan you can apply for through Spotya! is a short term loan – also referred to as a cash advance.

  • Short term loan.
    You can borrow up to $1,000 through a Spotya! short term loan or cash advance, although the maximum amount depends on your income as well as the applicable state laws. The online application process is quick and simple, and you can find out about approval soon after. Once approved, the funds will be transferred into your bank account by the next business day. You don’t have to pay Spotya! any fees to apply for this loan, and you can apply even if you have a low credit score.

Features and benefits of a Spotya! short term loan

Payday loans that you can get through Spotya! come with a number of features that require your attention, and here’s what makes this loan worthy of your consideration:

  • Quick application turnaround. You can complete the online application in matter of minutes, provided you have all the required information close at hand. You find out about the status of your application soon after, and if you apply before 11 a.m. PST, Monday through Friday, you can get the approved funds transferred into your bank account the following business day.
  • Bad credit accepted. You can apply for a Spotya! short term loan despite not having a good credit rating, as Spotya! doesn’t perform formal credit checks. It is important, though, that you demonstrate an ability to make timely repayments.
  • No collateral. When you’re applying for a Spotya! short term loan you don’t have to provide collateral in any form.
  • Use funds for any purpose. Once you receive the money, you can use it for any legitimate purpose.
  • Learn about responsible borrowing. Spotya! provides customers with an array of online educational articles that cover topics like responsible borrowing, credit card debt, pay advances and online lenders.

Spotya! loan fees and charges

How much your short term loan ends up costing depends on how much money you borrow, as well as your state of residence. In general, you can expect to pay a fixed fee per $100.

Once you find out about your loan’s approval you get a loan offer document that gives you a clear indication of what you might have to pay during the course of the loan. Reviewing this document ahead of time is a good idea. If you can’t pay the loan off as per schedule you might have to pay late charges.

Are Spotya! loans safe?

Spotya! is a loan servicing company, not a direct lender, and partner with direct lenders to provide short term loans and cash advances to customers. The loans are 100% secure and confidential, as is all the information you provide in your online application.

How to apply for a loan from Spotya!

To apply for a Spotya! short term loan you have to visit the Spotya! website. Bear in mind you have to meet certain eligibility criteria to apply, which include the following:

  • You are over 18 years old in most states
  • You are an American citizen or a permanent resident of the US
  • You have a steady source of income
  • An operational checking account

In order to complete the application successfully, you’ll have to provide some basic information:

  • Your name, home address, email address and phone number
  • Your date of birth, social security number and details from an acceptable form of identification document
  • Your employer’s name, address and phone number
  • Details about your income
  • Your bank account details

Frequently asked questions

Are payday loans available in my state?

Elizabeth Barry

Elizabeth is an editor for finder.com.au specialising in personal finance and fintech. She enjoys reading PDSs so you don’t have to.

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US Payday Loans Offers

Important Information*
Slam Dunk Loans

Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.

LendUp Payday Loans

LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.

Check into Cash Payday Loan

With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

OppLoans Installment Loans

Installment loans with competitive rates from a top-rated direct lender.

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