Spotya payday loans review February 2019 |
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Spotya short-term loan connection service review

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Take the stress out of finding a lender by using this connection service.

Spotya makes it easy to find a loan when you don’t have the best credit by connecting you with payday lenders that may be able to help. But with no reviews and minimal company details available, you might want to consider your other options first.

What is Spotya?

Rather than provide loans directly, Spotya is a short-term loan connection service that works with lenders offering up to $1,000.

You don’t have to meet strict eligibility criteria to qualify, either. As long as you have a steady source of income and a checking account, you may be able to find a lender that can help. The process is quick, and you’ll find out if you’ve been connected shortly after you fill out an online form.

While you don’t have to pay Spotya any fees to use its service, you should still borrow with caution: Short-term loans often come with high interest rates that can result in you paying hundreds of dollars in interest.

What are the benefits of using Spotya?

From its fast service to its free educational resources, there are a few perks of using Spotya:

  • Quickly compare offers. You can complete the online form in a matter of minutes and potentially get connected with lenders that can help.
  • Bad credit accepted. Even if you don’t have the best credit, Spotya may still be able to connect you with a lender.
  • No collateral. Spotya works with short-term lenders that don’t require any collateral. This means you won’t have to back your loan with an asset — like your car title.
  • Educational resources. Spotya has a blog that covers an array of topics, including responsible borrowing, credit card debt, payday advances and online lenders.

What to watch out for

  • Expensive to borrow. While Spotya doesn’t charge a fee to use its service, payday loans are notorious for their high APRs that can range anywhere from 200% all the way up to 1300%.
  • Need a bank account. Because Spotya only works with online lenders, you’ll need to have a bank account in order to receive your funds and pay back your loan.
  • Minimal company information available. Spotya has an about page, but it doesn’t go into company details or its history. You may want to give customer support a call to learn more about Spotya before you use its service.
  • No reviews. Despite having a page on the Better Business Bureau (BBB), there are no reviews for Spotya — meaning you won’t know how well the process works until after you fill out the online form.

How does Spotya compare to direct lenders?

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

Rates last updated February 22nd, 2019
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
OppLoans Installment Loans
Installment loans with competitive rates from a top-rated direct lender.
1 business day
Must have direct deposit and meet minimum income requirements
Jora Installment Loans
Installment loans with repayment terms up to 30 months, depending on your state.
1–2 days
Must have an active checking account, regular source of income and email address.
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.
LendYou Short-term Loans
Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.
1 business day
You must be a US citizen or permanent resident, age 18+ and have a regular income.
CashUSA Installment Loans
A connection service for quick cash loans up to $10,000.
As early as 1 business day
Must have a monthly income of $1,000+ after taxes and valid checking account.
ACE Cash Express Short-term 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.
LendUp Payday Loans
LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see more details for your state.
generally receive the money the next business day
Be 18+ years of age and have a checking account that can accept electronic transfers.

Compare up to 4 providers

Beware of high APRs

It doesn’t cost anything to use Spotya’s service, but you’ll still be on the hook for high interest charges and fees if you take out a payday loan from one of its partner lenders. Short-term loans can often end up costing you double or even triple the amount you borrowed, which could result in you owing much more than you bargained for.

Before you commit to a lender Spotya connects you with, check out your short-term loan alternatives to see if there’s a cheaper option.

Is it safe to use Spotya?

In general, yes — though no online lender can ensure your information stays 100% safe. Spotya has standard encryption security on its website to keep your personal details secure. But because it’s a short-term loan connection service, your information may still be sold, rented or shared with third-party lenders. This is normal for a connection service, but it does mean you might receive unwanted phone calls or emails long after you borrow a loan.

Read over Spotya’s privacy policy and terms of use before you submit an online form. And if you’re connected with a lender, read through its terms and how your information will be used before signing the dotted line.

What does the Internet say about Spotya?

There isn’t much out there about Spotya. While it has a page with the BBB, it isn’t accredited or rated. In fact, as of January 2019, there are no complaints or reviews listed for the company. This isn’t uncommon, though — most borrowers only leave reviews for the lender they’re connected with, not the connection service.

If you have any questions, you can email Spotya’s customer service team at or speak to a representative by calling 888-891-1113.

Am I eligible?

In order to be connected with a lender, you must meet a few basic eligibility criteria:

  • Have an operational checking account.
  • Have a steady source of income.
  • Be a US citizen or permanent resident.
  • Be the age of majority where you live — 18 years old in most states.

How do I get started?

Spotya’s online form only takes a few minutes to fill out. Here’s how you can get started:

  1. Visit Spotya’s website. Enter your full name, email and state, then click Get Your Cash.
  2. Enter the amount you want to borrow, your address and your date of birth.
  3. Enter your employer’s name and phone number, as well as your monthly income, driver’s license number, phone number and Social Security number.
  4. Select how frequently you’re paid and your next two pay dates, then enter information about your bank account.
  5. Read over Spotya’s privacy policy and terms of use. Click Submit Form.

It may take a few minutes for Spotya to go through its network of lenders and find one that suits your borrowing needs. If you’re connected with a lender, you’ll be redirected to its website to complete the application.

I was connected with a lender. Now what?

If you’re approved, you’ll receive a loan offer document that gives you a clear indication of what you’ll have to pay during the course of the loan. How much your loan ends up costing depends on how much you borrow, your lender and your state regulations. In general, you can expect to pay a fixed fee of $10 to $15 per $100 borrowed. And if you can’t pay the loan off as per the schedule, you might have to pay late charges.

Always budget before you borrow to make sure you have enough to cover the cost of your loan on its due date. You might also want to sign up for automatic payments to make the repayment process a bit simpler.

Bottom line

Spotya can help you find a lender offering up to $1,000 — even if you have bad credit. But the lack of reviews or information about the company might make it hard to trust, especially since everything takes place online.

Before you borrow, check out our guide to payday loans and see if payday loans are legal in your state to make sure you’re getting a good — and legal — deal.

Are payday loans available in my state?

Frequently asked questions

Elizabeth Barry

Elizabeth is an editor for 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*
CashNetUSA Loan

Apply for a short-term loan with an easy online application and dedicated customer service.

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.

LendYou Short-term Loans

Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.

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