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Frequently Asked Questions
What is a Payday Loan? - Click Here
A payday loan is a short-term small loan that you normally pay back on your next payday. It is sometimes called a cash advance, and is a convenient way to get money if you need it right away. You can get approved in a short time with little fuss.
How much can I borrow? - Click Here
You can borrow up to $1000, depending on your salary. To ensure that you don't borrow more than you can pay back, Spotya! Cash uses a standard formula to calculate the amount of your loan. The maximum amount allowed is regulated by state law.
How do I repay the payday loan? - Click Here
The funds you borrowed from Spotya! Cash, plus our fee, are automatically withdrawn from your bank account when your paycheck is deposited.
How much will my payday loan cost? - Click Here
We have one of the lowest rates on the planet, with our fees being $15 per $100 borrowed. If you borrow $300, you will pay back Spotya! Cash $345 on your next payday.
Will my bad credit affect my loan application? - Click Here
We don't do a credit check. However, when you apply, we don't want you to borrow more than you can afford, so we limit your loan to a set percentage of your salary. Bad credit doesn't prevent you from getting a loan.
What criteria do I have to meet to get a payday loan? - Click Here
We require you to show us that you have a paycheck that is regularly direct-deposited to your account (weekly, bi-weekly, etc.).
Can I get another payday loan if I have already borrowed from Spotya! Cash? - Click Here
Yes. Once you have repaid your loan, you can become eligible for another one.
Is it possible to roll my loan over to my next payday? - Click Here
Yes, you can roll it over to your next payday. You will be charged an additional fee.
How long does it take to get my payday loan? - Click Here
You can be approved within minutes and your loan can be deposited into your account the following business day provided you are approved by 4 p.m. Pacific time Monday through Friday. If the loan is approved after 4 p.m., it will take an additional business day for the funds to be deposited into your account.
What are the documents I need to apply for a payday loan? - Click Here
The only document you need as a first-time customer is a recent bank statement showing that your last paycheck was direct-deposited. You'll need to fax this bank statement to us. The rest of the process is done online and we will verify your personal information, bank details and employment through a paperless process. There is no paperwork required for returning clients.
How do I apply? - Click Here
All you'll need to do for Spotya! Cash to approve your loan is to complete this simple online application. You'll then receive an email confirming that your loan has been approved, and we'll tell you when the funds will be available to you.
Are there some reasons that could cause my loan to be denied? - Click Here
There are only a few reasons why your loan might be denied. These may include: not having a regular paycheck that is directly deposited into a bank account, a history of bad checks, outstanding payday loans with other companies, or incorrect personal information.
How do I get the money? - Click Here
After your cash advance is approved and you have been notified by Spotya! Cash, the money is electronically deposited into your bank account.
What if I cannot pay on the due date? - Click Here
Contact us if you don't think you'll have sufficient funds in your bank account to cover the repayment, and you can discuss your options with one of our professional loan officers.
How does the Spotya!Cash payday loan process work? - Click Here
If your contact numbers and information are correct, the process is quick and easy. When your details are confirmed and you are approved, we'll send you an email to tell you when your loan will be deposited. In that email, you'll also get a user name and password to enable you to access your account details. You'll also be able to log in and get future loans that don't require any further paperwork.
Do I need a cell phone to get a payday loan from Spotya! Cash? - Click Here
No, but you do need to have a business and home phone number.
When are you open for business? - Click Here
We accept online applications 24 hours a day, 7 days a week, 365 days a year. The payday loan representatives at Spotya! Cash are working around the clock to serve you.
Is this application secure? - Click Here
Our web site is secure enough to ensure that your application information is protected from the prying eyes of criminals and advertisers.
How frequently can I apply for a loan? - Click Here
You can apply for a loan as often as you like, though there may be some restrictions on accepting too many loans simultaneously. Apply now to get started!
Do I need collateral? - Click Here
No, no collateral is required for a Spotya! Cash loan but your electronic signature is.
