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Our Rating - 9.8 / 10

OnlinePaydaySpot Review

If the guaranteed approval and processing time is concerned, while talking about payday loans in the US, OnlinePaydaySpot is among the very few in the market who provide the same service. Even with bad credit score as 600 or lower, anyone with basic requirements can be successful borrowing a short-term cash loan with them. We rate them 9.8 out of 10.



Service profile:

OnlinePaydaySpot is a familiar name among payday loan borrowers in the US. As a regulated service provider, it cares for a lot about the people with poor credit. With easy and simple application process, one can provide the basic details and request for a cash advance. Any amount between $200 and $ 1000 can be applied throughout the day and night and a guaranteed approval is promised- without going through credit check. Once approved, the amount is transferred to the applicant’s bank account on the next business day. Those who want to have little more time to pay back, have the option to request for extension as well. The entire process is paperless, andOnlinePaydaySpotmaintains a high standard of confidentiality with regards to the information provided by the borrowers. Apart from all these, they have reasonable interest rates compared to other lenders.

Online Payday Spot Loan Features:

Loan amount- $200 - $1000

APR – 365.00% to 1564.28%

Repayment term- Next Payday

Guaranteed approval on application

online decision, instantly done

No need of a credit check

Loan Application Information

Employment details

Proof of American Citizenship

Bank account registered in your name

Proof of age- 18 or more

Terms of Repayment:

OnlinePaydaySpot maintains the reputation of being flexible with repayments. Generally, any amount between USD 200 and 1000 is granted for a month time. However, if borrower requests for more time, which can be done at least 7 days before the payday, the time limit for payment can be extended up to the subsequent day of paycheck. For repayment of your online cash advance, you could take 2 extensions, which is roughly 10 weeks in total. You don’t have to deposit or return the money physically anywhere. Just like the loan amount, the payment also is done online automatically. Interest rate at OnlinePaydaySpot is 30%, whereas APR is between 365.00% and 1564.28%. Similarly, they charge an additional $20 on each returned payment date if there is not enough money in your account that needs to be paid. However, you can approach their friendly customer service unit in advance for any assistance.

Online Payday Spot Service Support:

The customer service unit of OnlinePaydaySpot has been identified to be very friendly. Their FAQ section is up to date with all the basic and additional information regarding their services. Apart from that, they are reachable at support@onlinepaydayspot.com for all sorts of queries, feedbacks and help required to the loan applicants 24/7.

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