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Online Payday Loan When You Need It Most

Get an Online Payday LoanWith an online payday loan, facing financial setbacks can be a little bit easier. Unexpected car repairs, medical or dental bills, or a lack of cash when an important occasion comes around are all situations that can put us into a financial frenzy. This is especially so when these occur between pay periods. That “cash gap” that happens when our prior paycheck is tapped out may cause you to look for other means of monetary support to make ends meet.

First and foremost is to remember that a Payday Loan should only be used when a cash emergency arises. Never get a Payday Loan 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.

Getting a Fast Online Payday Loan

One of the biggest advantages of an online payday loan is that it’s fast! Spotya! is not a direct lender but a loan servicing company that works with the best and most trusted direct lenders in the industry. Spotya! has provided a simple online application that can be filled out in minutes from your home computer, smartphone or tablet. With some basic information, your payday lender can have you on your way the next business day. We understand the need for timeliness which is why your lender asks for little to no paperwork. There are never any embarrassing questions asked or explanations expected. We don’t ask “why” you need the money, just “how much do you need?”

A “No Credit Check” Online Payday Loan?

The last thing Spotya! wants you to worry about is whether or not your credit history will prevent you from getting a payday loan. Good credit, bad credit, or no credit at all; your chances of getting an online payday loan are just as good as anyone else’s. That is why your lender doesn’t use conventional credit checks. Anyone with a job bank or savings account and over the age of 18 are welcome to apply. Spotya! wants to connect you with a payday lender that makes the application process hassle and stress-free.

Military personnel and family members cannot apply for an online payday loan. In October 2007, a law was passed that caps the interest rate on a payday loan for military personnel at 36% percent APR, as defined by the Consumer Financial Protection Bureau.  This law applies to those in the National Guard, those in the reserve and covered dependents.

We’re Only A Quick Click Away

Getting an online payday loan is more convenient than ever when you apply through Spotya! We have streamlined the application process so you can get your payday loan online as soon as you need it. We work with direct lenders that offers competitive rates. We are always here to answer any questions you may have about the application and approval process.