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How Payday Loans Work

Why Choose Instant Loan Spot? Resources

1. Apply

  • Complete our online form

  • Get matched with lenders in minutes

2. Choose

  • Get loan offers right away

  • Choose the loan and terms that are best for you

  • Accept your favorite offer

3. Get Cash

  • Get up to $1000 deposited into your bank account in as little as one day


  • Let lenders make you their best offers and you choose the deal that fits your needs


  • The simple application is safe and secure


  • Apply online without having to go in-person to a store or provide faxes.

4. FAST!

  • Get offers in minutes with cash available in a day.

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IMPORTANT DISCLOSURES: and/or its affiliates offer payday advances, installment loans and credit services only to residents in those states where permitted by law. To obtain a loan, you must have a valid checking account and email address. In most cases loans will be funded the next business day without requiring any faxing of information unless we are unable to verify your application information.

CONSUMER NOTICE: Payday advances should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.