Most people complete the process in about 10 minutes. Lenders use your credit score to determine if youre a good or bad risk for a loan.
Credit scores range from 300 to 850. The higher the number, the better your score, and the easier it is to get approved for loans.
Many lenders consider consumers with scores of 620 or lower to be a bad credit risk. If you have a bad credit score, or have not borrowed before, Spotloan can help you get money fast. No collateral is required. Only you can decide if a Spotloan is right for you. Banks, credit cards, or even friends and family may be able to offer you better loan terms.
The Need for Speed. Our online service readily serves your need to connect with a lender. The process takes a few minutes. Fill out our secure online form and we send an encrypted copy to an authorized lender to approve. Once you submit your information, you will be redirected to the lender's website where you can review the terms of the loan, including details about all the applicable rates and fees. If you accept these terms, the lender will deposit money directly into your bank account as quickly as the next business day.
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