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FAQ’s

What is a payday loan?

What is a installment loan?

This is a small (usually under $5,000), short-term, no-collateral, cash advance. It is backed by future income. This may be your next paycheck, a dividend or other type of regular income. It is paid back in a set number of scheduled payments. Use installment loans responsibly.

What is a personal loan?

This is a no-collateral loan for up to $35.000, similar to a line of credit. It is backed by future income. This may be your next paycheck, a dividend or other type of regular income. The term of the loan is typically longer than an installment or payday loan. These loans can be used to consolidate debt or pay off high interest credit cards. Use personal loans responsibly.

How does SpotLoansCash247.com work?

SpotLoansCash247.com is not a lender and does not make credit decisions. SpotLoansCash247.com is a loan connecting service. We connect consumers who are looking for financial assistance with independent, third party lenders who may be able to provide a loan.

You begin by filling out the simple form. Your information is then shared with third party lenders who may make you a loan offer. You are under no obligation to accept the offer, but if you their own terms and conditions. Please consult these before accepting the loan offer. In particular, check for information on the APR, fees, renewal terms and consequences of non-payment.

If you have any questions about your loan, please contact your lender.

Does SpotLoansCash247.com charge a fee to connect consumers with independent, third party lenders?

Registering with SpotLoansCash247.com is free to you, the consumer. We are paid by independent, third party lenders for potential customer referrals.

Each third party lender will have its own fees, APR and terms. These charges come directly from the lender and not from SpotLoansCash247.com.

These fees and charges will be provided to you at the time of the loan offer, if one is made. You are under no obligation to accept them. Your loan is accepted by you when you electronically "sign" the offer and send back to the lender.

Read all documents for the terms and conditions of the loan.

How much can I borrow?

Payday are usually between $100 and $2,500. You will make a request for a loan amount. If you receive a loan offer, it may not match the amount you requested. Loan offers may vary for several reasons including the individual lender, employment, income and other factors.

If approved for a loan by an independent third party lender, how quickly could I receive it?

The transfer to your bank account could happen as early as the next business day. Times will vary depending upon your lender and your financial institution. If you have additional questions regarding the transfer time, please contact your third party lender.

What are the minimum requirements to apply for a loan?

Individual, third party lenders have different minimum requirements, but the following constitute typical minimum requirements:

  • Be at least 18 years of age or older
  • Have a checking or savings account with direct deposit
  • Have regular income of at least $1,000 per month
  • Have a fair credit rating (for personal loans only)
  • Must Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps, or Navy (or a dependent thereof), serving on active duty under a call or order that does not specify a period of 30 days or less

What information do I have to share in order to register with SpotLoansCash247.com?

You will be asked to provide banking, employment and some personal information. This information includes, but is not limited to your name, address, telephone number, place of employment and/or source of regular income, driver's license number, bank account information and social security number.

The third party lenders may perform a credit check or use other methods to verify the information you provide.

Is the information I provide secure?

SpotLoansCash247.com employs a number of state of the art security measures are designed to keep your information secure. All sensitive data transmitted between your browser and SpotLoansCash247.com uses 128 bit Secure Socket Layer (SSL) encryption technology. Your use of our services is strictly voluntary and is governed by our Terms & Conditions of Use and Privacy Policy

How long does a loan transaction take?

From the time you register with SpotLoansCash247.com (and are made an offer by an independent, third party lender) the process can be as fast as one business day. A number of factors impact this, including the time of day you apply, the accuracy of your registration, the lender and your financial institution.

When must I repay my loan?

SpotLoansCash247.com is not a lender. Each independent, third party lender has their own terms and conditions, including those concerning repayment. You should contact your lender for information about the date and time for repayment as specified in your loan agreement.

Will independent, third party lenders perform a credit check and what are the credit implications?

Many will do so. They may check to verify the accuracy of the information you have provided and/or to review your information to see how it compares to the records of national databases. Lenders may verify your social security number, driver's license number, banking information or any other information you provided.

Multiple inquiries to the "Big 3" credit bureaus (Experian, Equifax and Transunion) may result in a lowering of your credit score. Therefore you may want to register for a loan, one at a time."

Will my loan be automatically renewed?

The answer to this question depends upon the state you live in and the lender. Each lender has its own renewal policies, as well as each state having their own laws regarding automatic renewal of payday loans. Be sure to ask your lender if your loan will automatically renew or if they have to receive your permission first.

Loan renewal will likely result in the addition of fees and interest to your loan balance. Make yourself aware of these fees before agreeing to any loan renewal.

What are the implications of late payments and non-payment?

This varies by lender, so check with your lender before agreeing to the loan offer. Many consumers get in trouble by not being aware of the penalties of late or non-payments. Be fully aware of the consequences of not paying the loan in full on the date it is due.

Is approval guaranteed?

There is no guarantee that you will be approved by one of our participating lenders.

What if I am unable to repay my loan according to its terms?

IMPORTANT: The Operator of this website is not a lender, financial institution, loan broker or an agent of a lender or loan broker and does not make any credit decisions. This service, which connects consumers with eligible third party lenders, is free to consumers. This service does, however, receive payment from lenders for referring lead data to them. Although multiple factors dictate the order in which lenders have the opportunity to purchase a lead, the highest bidding lender will most often get the opportunity. Lenders may perform credit checks through any credit reporting bureau and may also verify the information that you provide on this form including social security number, address, phone number, employment history, bank account information etc. Information may be shared with non-lenders or other intermediary service providers (like us) to help you connect with a lender. This service works with many different kinds of lending partners, including tribal lending institutions. Federally recognized Indian tribes are independent sovereign nations and their wholly owned entities are generally not required to follow state and local laws regarding rates, fees and other loan related conditions. However, Indian tribes and their wholly owned entities are required to follow some applicable federal laws. If you are connected with a tribal entity, be sure to check their rates as they may carry higher interest rates when compared to state-licensed lenders. The Truth in Lending Act requires lenders to disclose rates, fees and other important conditions of a loan. After checking the terms, make a determination of whether or not you can afford the payments. We earnestly encourage you to reject any offer that is not within your financial means. Short-term, small-dollar loans are not a long term solution to financial hardship. You may also consider seeking professional advice regarding your financial circumstances and alternatives to loan products. Late payments of loans may result in additional fees or collection activities, or both. Each lender has its own terms and conditions. Please familiarize yourself with your lender<92>s policies for further information. Additionally, failure to repay your loan may carry nonpayment penalties and collection activities. Please review nonpayment terms with your lender directly. Every lender has a different renewal policy please review your particular lender<92>s renewal policy for more information. State Availability: Lenders that participate in the services provided by this website do not offer loans in every state. If you are from a state that the lenders do not service, you will not be able to be connected to a lender. Our service does not constitute an offer or solicitation for any loan products that are prohibited by state law. Additionally, this is not a solicitation for any particular loan and is not a loan offer.