How Emergency & Installment Loans Work
Short on cash for a bill that can’t wait? With Spot Me Loans you request an emergency or installment loan online. Your car is not collateral, so there is no title, registration or vehicle inspection involved. Here is what to expect:
Online Request
Fill out the short form from your phone or computer, any time. No office visit or appointment.
Clear Terms Up Front
If a lender approves you, the offer shows the amount, APR, payments and total cost before you accept.
All Credit Types Considered
Lenders look at income and banking history, not only your score. Approval is not guaranteed.
Fixed Payments
Installment loans are repaid in equal scheduled payments over several months, not in one lump sum.
The Simple Process
Borrow only what you need and what fits your budget. The whole request is online and takes four steps:
Not Sure If an Installment Loan Is Right for You?
Compare your options first – checking is free.
1. Fill Out the Form
Tell us how much you need and share basic personal, income and bank details on the secure form.
2. Get a Decision
Lenders review your request. Many answer within minutes; some may ask for proof of income.
3. Review and E-Sign
Check the amount, APR, payment schedule and total cost. Accept only if it fits your budget.
4. Get Funds and Repay
Money goes to your checking account, often by the next business day. Pay on the dates you signed.
1. Fill Out the Form
Tell us how much you need and share basic personal, income and bank details on the secure form.
2. Get a Decision
Lenders review your request. Many answer within minutes; some may ask for proof of income.
3. Review and E-Sign
Check the amount, APR, payment schedule and total cost. Accept only if it fits your budget.
4. Get Funds and Repay
Money goes to your checking account, often by the next business day. Pay on the dates you signed.
What You Need to Request a Loan
No car title, registration or vehicle documents are needed. Lenders typically ask for the following:
- Be at least 18 years old and a U.S. citizen or permanent resident
- A regular source of income (job, benefits or other steady income)
- An active checking account in your name
- A valid government-issued ID, a working phone number and email
Some lenders may ask for recent pay stubs or bank statements to confirm your income.
How Much Money Can You Get?
Start your request online and find out.
Get Started or call 480-245-6415