Unlike a bank, credit card or traditional loan, a payday loan can be obtained easily. At Spotya, we make the application process fast and easy. Our goal is to provide you with a safe and secure, easy access on-line experience to get you the money you need quickly. In most cases, if you apply today, you'll have your money tomorrow. The requirements for a Spotya payday loan are simple. There are no credit checks, no cumbersome forms to fill out. In less than 5 minutes, you can apply and receive an answer shortly thereafter.

Spotya is a licensed payday lender and is governed by applicable state law. Yet, in most cases, our fees are substantially lower than the state limits. At Spotya, we provide an affordable short-term alternative, when those unexpected emergencies arise.

Our requirements are simple. You must earn in excess of $1,400 monthly, you must have an active bank account and your regular payroll must be direct-deposited into that account. Upon preliminary approval, we'll request you fax or email a recent copy of your bank statement which indicates these requirements are met.

Your application will be strictly confidential and once your information is verified through our qualification process you'll be contacted by one of our customer service representatives to arrange the funding.

In some cases, applicants may not meet our standards. But don't give up. With your permission, Spotya can forward your application to other payday lenders who may have less stringent requirements. However, we will never do so, without first obtaining your approval. Our application process is entirely transparent. The terms of our loans are easily understood and our fees are consistently some of the lowest in the industry. The entire process is safe and secure.

1. Complete the on-line questionnaire
2. Upon our confirmation fax or email a recent bank statement
3. Accept our approval and receive your loan

Arranging your payday loan is never complicated. At Spotya, "We've got you covered."