Tag Archives: payday loans

When you take advantage of money options offered to you, take a close look at each one so you know that the one you choose will be successful in the long run. There are many long term options for you that look very promising because of the low interest rate promotions. In a perfect world, that would be great, but these companies are making billions of dollars each year off of these low fees for a reason. They trap you into paying them over and over as your account balance gets slowly … Continue reading →

When you apply for a payday loan, you will be given choices for payment options. The least expensive way would be to pay it all back when you receive your next paycheck. For those of you where that option wouldn’t work well, there are other payment options to choose from. Any type of money borrowing  will come with interest charges that get applied to your loan amount. The longer you keep your loan outstanding, the more  fees you pay. The great part about a payday loan, is that you get to choose the date you make your payment. Schedule it … Continue reading →

Tax season is a stressful time of year. Some people have to worry about how much they will owe to the IRS once the tax return has been completed. Others worry about money needed to hire a Certified Public Accountant to help process through complicated forms and proper deduction tracking. Then you could be like me and worry about where to find the $50 needed to buy the software so I can do it at home. Taking out a payday loan can help make some of these financial matters less difficult. Of course, depending on … Continue reading →

What kind of weekend are you going to have? Are you a planner who budgets a certain amount knowing that the weekend will bring fun with a little cash in the pocket? Maybe you are one of those people who go with the flow of your friends and pay as you go and worry about how much you spent later? Do you become homebound after a long busy work week and the couch with a stack of movies is your mode for two days? Then there are those who take off in … Continue reading →

Here are the top ten reasons why Spotya! payday loans work: No credit check. Money goes directly to your bank account. Don’t have to leave your house. Secure transactions. Options for payback. Loan is not calculated into your debt to income ratio. Fees are lower then bounced checks. Approval rate is quick. Easy Qualifications. No application fee. These are the top ten of many reasons why Spotya! Payday Loans work so well. When you are in need of some fast cash to take care of your personal business, a payday … Continue reading →

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 →