Payday Loan

Debt to income ratio (DTI) is used by creditors when determining whether or not you will be approved for a loan or line of credit. These institutions are not the only ones who use DTI. Your Credit Score uses DTI!  One third of your credit score is determined by the debt you owe. What is the amount owed on accounts? What is the amount owed on specific types of accounts? How many accounts have balances? What is the proportion of credit lines used? What is the proportion of installment loan … Continue reading →

We are going to explore debt to income ratio (DTI) over the next few days. The purpose of this blog series will be to help educate our readers about what DTI means,  how it is used and why it is so important. Let’s start our exploration with a definition of  debt to income ratio. This ratio, simply stated, is the amount of money you make compared to the amount of money you owe. You make a certain amount of money each month. That is your income. How much you owe … Continue reading →

Such great words to hear when you are trying to figure out how to get out of a financial crunch. Finding a quick solution to small money matters are just a  few clicks away. Don’t let yourself dig yourself further into trouble by putting off payments or juggling money between necessities.. Spotya! understands that things come up in life and that is why payday loans can be so convenient for you. It is fast cash to take care of those troubles and the payoff is scheduled according to your next … Continue reading →

Payday loans differ from conventional loans in the fact that there is no credit bureau check and you can apply for the loan right from your computer. Approval status is decided quickly as there are few qualifications. You will need to show proof that you deposit paychecks regularly into the bank. Qualification can be that easy. Did you know, that upon approval, you can have your payday loan in your bank account within one business day? That cash will be there to take care of your problem and you will return the money … Continue reading →

What makes Spotya! special? Payday loan companies have been given bad reviews because  some payday loan businesses  have bad business practices. Really bad. Many have disconnected phone numbers or have  phones that go unanswered. If a customer has a question or concern, where do they go to contact the online company? What happens if the fees promised end up changing without notice? What do you do with a problem? Spotya! does it right. The phone number works and the calls are answered. On the other end of the line you will … Continue reading →

The flow of email vacation deals are filling my inbox quickly. Europe, Hawaii and Las Vegas packages are just a few vacation option only clicks away. The winter weather blues are pushing me to find warmer climates and other exciting places to get  me out of the rut I have found myself in. My biggest problem…the holidays have put dampers on my financial freedom. Vacations can work over even the best of credit. Hotels need credit cards to hold money in case of expenditures during your stay, car rentals, food … Continue reading →