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If qualified you will begin to receive one or more offers from various lenders across the country that are competing for your business.

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Let's Review Why ispotpayday.com?

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it has been reliable service for online cash loans since 2015. We connect thousands of people to trusted lenders each month.

Our direct lenders do not require information via fax or any paper. They will approve people who have good or bad credit, or no credit.

Low requirements for you to qualify:

  • Be at least 18 y.o. and US citizen

  • Steady source of income and live in an elegible state.

  • Have an active checking account.

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Representative APR Range Examples

ispotpayday.com is not a lender and does not offer short-term loans either, but it does direct consumers to lenders who can provide such loans or other types. ispotpayday.com will not be able to provide you with an exact APR (Annual Percentage Rate) to be charged if you are approved for a loan prior to initiating a loan application. APRs are subject to variation due to information provided by you on your electronic loan application and by your lender. The lender will provide you with the APR for you, the loan rates you selected, and other terms when you are redirected to your particular loan agreement within the loan formalization process.

 

An APR for a short-term loan can vary and we would like it to be from 35.9% upwards, or depending on how the APR (nominal vs. effective) is calculated, the duration of the loan, the loan fees incurred, the fees for late payment, default fees, loan renewal actions and other factors. Please note that the rank in an APR is not your finance charge, but a calculation. And the finance charge will be revealed later.

 

Let's see an Example:

If you Borrow $200 for 14 days with a $30 to $60 lender fee. Your estimated APR will be 391% to 782%

Following the Calculation is : (lender fee / loan amount) x (amount of days in a year / duration of the loan) x 100

One) Low End of Range: ($30 / $200) * (365 days / 14 days) x 100 = 391.07%

Two) High End of Range: ($60 / $200) * (365 days / 14 days) x 100 = 782.14%

 

Term payday loans are a bit more expensive compared to other financial products.

 

Short loans are not recommended as a long-term financial solution and should only be taken for extremely real emergency financial needs.

 

 

ispotpayday.com has been reliable service for online cash loans.

 

Despite the current situation, we continue to connect thousands of people with trusted lenders every month, as a need is solved.

 

Implications of Late Payment

In case of not being able to pay your loan payment on the indicated date, please contact the lender. For that late payment, your lender will set their own state-regulated rates, and your lender has several resources available for your late payment. If you would like more information about these specific procedures, ask your lender, and please review your loan agreement. Try to maintain fluent communication with your lender.

 

 

Implications of Non-Payment

Financial Implications:

The costs associated with loans of up to $500 range from 15% to 36% of the entire loan amount, and the charges associated with loans of more than $500 can be even more. Your lender may also charge you late fees as well as fees for non-sufficient funds. As an example, your lender may charge you a $20 nonsufficient funds fee as well as 15% of the loan balance as a late fee. Please review your loan agreement carefully for information about the financial implications of non-payment before you provide your electronic signature.

Collection Practices:

The majority of the lenders in our network will not sell your debt to outside collection agencies. Instead, they will attempt to collect the debt in-house via telephone, email, postal mail or even text message. Similarly, they will not threaten criminal charges or sue borrowers; they will generally offer debt settlements over time instead. Every lender in our network is required to adhere to the Fair Debt Collection Practices Act which protects consumers from being abused or harassed by debt collectors.

Impact on Credit Score:

Lenders are within their rights to report your failure to repay a loan to one or all of the major credit reporting agencies — Experian, Equifax and Transunion. This negative report will be reflected on your credit history indefinitely until the loan is repaid in full. After the lender has received payment in full, they will report this to the credit reporting agencies and the report will be removed from your record.

Renewal Policy:

Some of the lenders in our network may automatically renew your loan if it becomes past due. You should check your loan agreement for your lender's policy on automatic loan renewal. If your loan is renewed, there will be additional charges as determined by your lender and the minimum term will be 15 days. Your lender may offer you other options in addition to renewal, including the ability to repay your loan in full at a later date or repay your loan over time in a series of installments.

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Disclaimer:

THIS WEBSITE: ispotpayday.com DOES NOT CONSTITUTE AN OFFER OR REQUEST FOR A LOAN. ispotpayday.com IS NOT A LENDER AND DOES NOT MAKE LOANS OR MAKE CREDIT DECISIONS. ispotpayday.com PROVIDES A COMBINED INTERNET SERVICE ONLY AND DOES NOT ACT AS A REPRESENTATIVE, AGENT, OR CORRESPONDENT OF ANY OF THE LENDERS WITH WHOM WE CONTRACT. ispotpayday.com DOES NOT CHARGE APPLICATION FEE. ispotpayday.com DOES NOT PERFORM A CONTROL AND IS NOT RESPONSIBLE FOR THE ACTIONS OR INACTIONS OF ANY LENDER. ispotpayday.com DOES NOT AGREE ANY PARTICULAR LENDER OR LOAN PRODUCT. YOU HAVE NO OBLIGATION TO USE THE ispotpayday.com SERVICE TO INITIATE CONTACT OR APPLY FOR CREDIT WITH ANY OF THE LENDERS. THIS SERVICE IS NOT AVAILABLE IN ALL STATES OF THE AMERICAN UNION AND THE AVAILABILITY AND SCOPE OF THE SERVICE ARE SUBJECT TO CHANGE WITHOUT NOTICE. SUBJECT TO OUR PRIVACY POLICY, ispotpayday.com WILL TRANSFER YOUR INFORMATION TO OUR PROGRAM LENDERS AND OTHER SERVICE PROVIDERS AND MARKETING COMPANIES WITH WHOM WE DO BUSINESS. ispotpayday.com DOES NOT GUARANTEE THAT COMPLETING AN APPLICATION FORM WILL RESULT IN YOU BEING MATCHED WITH A LENDER, A LOAN PRODUCT IS OFFERED WITH SATISFACTORY TERMS OR TERMS OR THAT A LOAN IS RECEIVED FROM A LOAN. PARTICIPATING LENDERS CAN VERIFY THEIR SOCIAL SECURITY NUMBER, DRIVER'S LICENSE NUMBER, NATIONAL ID, OR ANY OTHER STATE OR FEDERAL IDENTIFICATION AND REVIEW THEIR INFORMATION AGAINST NATIONAL DATABASES, LIKE NOT TO INCLUDE: EQUIFAX, TRANSUNION AND EXPERIENCE TO THE DETERMINATION / OR CREDIT CAPACITY. BY SUBMITTING YOUR APPLICATION AND INFORMATION ON THIS WEBSITE, YOU AGREE TO ALLOW ALL PARTICIPATING LENDERS TO VERIFY YOUR INFORMATION AND CREDIT. CASH TRANSFER TIMES MAY VARY BETWEEN LENDERS. NOT ALL LENDERS CAN PROVIDE UP TO $ 1000 OR MORE. SHORT-TERM LOANS ACTUALLY ARE NOT A LONG-TERM FINANCIAL SOLUTION.