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How It Works

how it worksUnlike a bank, credit card or traditional loan, a payday loan can be obtained easily. At Spotya Cash Advance Service, we make the application process fast and easy by connecting you to a direct lender.  It’s our goal to provide you safe and secure, easy access online application experience to get you the money you need quickly. In most cases, if you apply today, you’ll have your money tomorrow.  You must have an active bank account and your regular payroll must be direct-deposited into that account. 

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

But don’t give up. With your permission, Spotya! will forward your application to other payday lenders who may have less stringent requirements. Complete the online questionnaire