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Chicago, IL Cash Advance

Not All Cash Advance Lenders Are the Same

Even though the Federal and Illinois state law governs all cash advance and payday lenders, not all cash advance lenders are the same. As a result, the costs, fees, terms and conditions between cash advance and payday lenders can vary widely from lender to lender. At Spotya, our goal is simple, to provide the residents of Chicago and its surrounding suburbs, with the competitive rates, terms and service available anywhere. So when those unexpected personal or family emergencies arise, Spotya is there to spot you the cash you need. Applying and qualifying for a Spotya! Cash Advance is fast and easy.
In just a few minutes you can complete our on line application, and in just a few more minutes receive an answer on your loan request. And once you’re approved, you’ll have your money quickly, as fast as overnight direct deposit into your account. Unlike traditional lenders or credit card companies, obtaining a Spotya! Cash Advance is easy. All you need is a job with your payroll check is direct-deposited. This is very important because once your loan is approved your money will be electronically deposited into that same account. So you can get the cash you need quickly and without any hassle.


At Spotya!, we’re not concerned with your credit history. In fact, we don’t even check your credit at all. All we require is your steady income and your willingness to repay your loan. And although we discourage becoming a reoccurring borrower, once you’re a Spotya customer, you’re a customer for life. So when those unexpected personal or family emergencies arise, and you need a fast cash advance to bridge the gap between payroll periods, you can look to Spotya with confidence. Remember at Spotya! the money you need is only a simple call or click away.