Paydayloanspot.org doesn’t make credit decisions and is not a lender. Lenders are solely responsible for your loan application and compliance with regulations and laws. The service cannot provide information pertaining to fees and rates associated with a loan which can only be provided by the lender that accepts and approves your application. Completion of the application doesn’t guarantee a loan approval. By submitting an application through this website you agree to the terms and privacy policies. Residents of some states will not be eligible to apply for a loan and the service is not available in all states and may change from time to time.