FAQ
Most frequent questions and answers
Consumer Finance Loans are short-term loans to help you cover short-term financial demands and other emergency expenses. The repayment for these loans are normally within 14 days. Unlike an installment loan, the amount on a Consumer Finance Loan is generally due in full, plus interest charged, by your next pay date.
Due to legal restrictions we only accept from certain locations. Apply for an On The Spot Loan Here. See below to find out the list of States our services are offered.
Online
The online application process is quick and simple!
- Complete the On The Spot Loan application. It takes just a few minutes.
- Receive an instant decision.
Money will be disbursed within minutes.
On-Phone
Applying via phone is quick and simple, too!
- Send us a WhatsApp message.
- Receive an instant reply.
- Tell us your name, employment status
- We will reply personally with guided instructions
- Once approved, money will be disbursed within minutes!
Applying for a loan at On The Spot Loans LLC does not affect your FICO® credit score. If the loan is not repaid it will be reported to the major credit bureau and will affect your credit score.
An installment loan satisifies longer term solutions and is usually a larger sum of money paid out. Consumer Finance Loans are designed to get you to your next paycheck. It’s one payment, and you’re done.
Once approved, you will have the money within minutes via cash App, Paypal, Zelle or direct deposit to your bank account.
Consumer Finance Loans are available online in the states below. If approved, the amount you may borrow will depend upon your income and our policies.
On The Spot Loans LLC
- Arkansas
- Arizona
- Connecticut
- Georgia
- Maryland
- Massachusetts
- New Jersey
- New York
- North Carolina
- Pennsylvania
- Vermont
- West Virginia