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Getting a Paycheck Advance Online

When money is tight, people sometimes need a little assistance to get from one payday the next. Asking family or friends for a loan can be really be embarrassing! Instead, you now have the option of obtaining a paycheck advance.

A paycheck advance is a great solution to your short-term money needs. If you’re one of the many folks who are in a bad spot and need a little quick cash, a paycheck advance can be the answer to your troubles. Spotya! is a loan servicing company who works with a direct lender to offer affordable paycheck advances for those of us who just need a little help to make ends meet.

A paycheck advance is a loan based on your next paycheck. Unlike a longer-term loan, a paycheck advance is convenient and requires minimal paperwork. Your loan is direct-deposited into the same checking account where your paycheck is regularly deposited. Then, on your next payday, the total loan, including fees, is debited from that same bank account. We don’t stipulate how the money has to be used when you take out a paycheck advance online. Spotya! can get you started on getting the fast cash you need.

First and foremost is to remember that a Cash Advance should only be used when a cash emergency arises. Never get a Cash Advance until you have exhausted all other options. Interest rates are high and can cause more damage than good. Borrow only what you need and borrow responsibly.

Paycheck Advance Advantages

There are many advantages to getting paycheck advance, as well as a few downsides. One of the many advantages is that no credit check is required when you choose to apply through Spotya! a loan servicing company of paycheck advance online loans. The application can be completed electronically in minutes. The paycheck advance funds can be ready for use within 24 hours of the next business day, once approved.

What You’ll Need to Get a Paycheck Advance

A paycheck advance must be paid back within a short term. A paycheck advance can be a useful financial tool when applied to emergency needs, and used judiciously. There are many paycheck advance options available through the medium of the Internet. Compare the rates and terms of other paycheck advance companies and learn about all your options so that you can make the right decision.

Paycheck Advance Rates

The negative side of a paycheck advance is that it carries a high annualized interest rate.

The up-side of a paycheck advance is that those interest rates don’t accrue over a long term so they are not exorbitant. Spotya! works with Owisda, a direct lender who has no other fees and hidden charges.

Some critics of paycheck advances say the interest rate is an unnecessary burden on the borrower. But many consumers with no other option available for borrowing money, appreciate the convenience of a paycheck advance because they can avoid penalty fees that are imposed when they are late with their credit card, rent, medical bill, or other payment. A paycheck advance that starts with Spotya!! really is the answer when you need money quickly.