SpotloanPayday.com is not a lender and does not make loans or credit decisions. SpotloanPayday.com provides a matching service only and is not acting as a representative, agent, or correspondent for any service provider or lender. SpotloanPayday.com does not endorse any particular service provider, lender, nor loan product. You are under no obligation to use SpotloanPayday.com's service to initiate contact, nor apply for credit or any loan product with any service provider or lender. This service is not available in all states.
Consumers submitting an application for a loan at SpotloanPayday.com incur no cost. SpotloanPayday.com does not provide lending services directly to consumers. Based on the application consumers submit, SpotloanPayday.com searches its database housing its vast network of reliable lenders to pair consumers with the lender and loan ideally suited to their needs.
All fees and rate information will be disclosed to consumers by their lender at the time of approval. Upon conclusion of the search and application approval, you will be redirected to an e-signature page provided to you by the lender to which you were matched. This document will contain all fees and rate information pertaining to the loan being offered by a lender from the SpotloanPayday.com network. Consumers are required to review the fee and rate information provided by their lender at this time thoroughly and completely before agreeing to the terms of the loan. Consumers are under no obligation to accept these terms.
If the consumer decides the loan terms detailed in the lender contract are acceptable and wishes to proceed with the loan process, consumer may append an e-signature to the page. Once the consumer enters into a legally binding contract with the lender, consumer assumes all costs and risks associated with the contract. At that point, the consumer is obligated solely to the lender and is never at any point obligated to SpotloanPayday.com. The loan fees and interest rates are determined solely by the lender to which the consumer is matched, with specific amounts determined based upon the application information submitted. SpotloanPayday.com has no bearing on the determination of these fee amounts and interest rates.
Cash advances are intended for short-term financial relief and do not constitute long-term financial solutions. Consumers facing debt and credit difficulties should seek out debt and credit advisory help. Consumers are encouraged to consult our Rates and Fees page to learn more about the risks involved with cash advances, local laws and regulations governing cash advances, possible loan alternatives and recent developments in their state.
The states this website services may change from time to time and without notice. All aspects and transactions on this site will be deemed to have taken place in the state of California, regardless of where you may be accessing this site. SpotloanPayday.com does not guarantee that completing an application form will result in you being matched with a service provider or lender, being offered a loan product with satisfactory rates or terms, nor receiving a loan from a service provider or lender. SpotloanPayday.com specifically does not offer or solicit cash advances in Arizona, Arkansas, Georgia, Massachusetts, New York, Pennsylvania, West Virginia, Virginia, or Ohio. You will not be charged any fees to use SpotloanPayday.com's service.
Service providers or lenders will not require credit scores with the three major credit reporting bureaus: Experian, Equifax, or Trans Union. However, credit checks or consumer reports through alternative providers such as Teletrack or DP Bureau, which typically will not affect your credit score, may be obtained by some service providers or lenders, in certain circumstances. Learn more about Rates & Fees.
Copyright © 2019 Spotloan Payday. All Rights Reserved
Consumer Notice: The loans provided by the lenders in our network are payday loans (also known as cash advances, or payday advances), which are designed to provide short-term cash relief until the next time a consumer gets paid. Payday loans are not a solution for consumers facing debt and credit difficulties, and should not be used on a long-term basis. It is highly recommended that consumers educate themselves on the risks associated with payday loans, alternatives to payday loans, and federal and state laws that apply to payday loans.
Availability: This service is not available in all states. Please review local laws and regulations for availability in your particular state. The states this website services may change from time to time and without notice. All aspects and transactions on this site will be deemed to have taken place in the state of Nevada, regardless of where you may be accessing this site.
Disclaimer: This website does not constitute an offer or solicitation to lend. Spotloan Payday is not a lender and does not make loan or credit decisions. Spotloan Payday provides a matching service only and does not control and is not responsible for the actions or inactions of any lender. Spotloan Payday is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product.
You are under no obligation to use Spotloan Payday's service to initiate contact, nor apply for credit or any loan product with any service provider or lender.
Participating lenders may verify your social security number, driver license number, national ID, or any other state or federal identifications and review your information against national databases to include but not limited to Equifax, Transunion, and Experian to determine credit worthiness, credit standing and/or credit capacity. Service providers or lenders will typically not perform credit checks with the three major credit reporting bureaus: Experian, Equifax, or Trans Union. However, credit checks or consumer reports through alternative providers such as Teletrack or DP Bureau, which typically will not affect your credit score, may be obtained by some service providers or lenders, in certain circumstances. By submitting your application and information on this website, you agree to allow any and all participating lenders to verify your information and check your credit.
Not all lenders can provide your requested loan. Cash transfer times may vary between lenders and may depend on your individual financial institution. Repayment terms vary by lenders and local laws, and not everyone will qualify for 90 day terms. In some circumstances faxing may be required. For details, questions or concerns regarding your cash advance, please contact your lender directly.
You will not be charged any fees to use Spotloan Payday's service. Learn more about Rates & Fees.