About Us

At PaydayLoansSpokane.co, we offer a payday loan matching service designed to help individuals in Spokane, WA, who are facing urgent financial needs by connecting them with short-term cash solutions.

What is a Payday Loan Matching Service and How Does It Operate?

As a matching service, we do not make credit decisions or directly lend money. Instead, when you complete the brief application on our website, we forward your details to our network of lenders. Once we identify a suitable lender for you, we direct you to their website where you can review and complete your loan agreement.

At that point, all aspects regarding your loan—including the terms, repayment schedule, and ACH authorization details—are handled directly between you and your chosen lender.

How We Operate

The following outlines the process from the moment you visit our website to the day your loan is fully repaid:

1. Complete the short application form on our website.
2. We transmit your loan information to one of our partner lenders. If one lender declines your application for any reason, we continue to send your details to additional lenders until one agrees to fund your loan.
3. After matching you with a lender, you are redirected to their website where your loan terms are displayed. You will also need to electronically sign an ACH authorization form, permitting the lender to access your checking account on the repayment date.
4. If you accept the proposed loan terms, simply e-sign the agreement. In certain instances, the lender may contact you by phone to verify the application details, or request that you email a recent paycheck stub or bank statement before making the agreement available for signature.
5. Once the agreement is signed, you can typically expect the funds to appear in your bank account by the next business day. In Spokane, WA, if the matched lender offers same-day funding and approves your application before their cut-off time, the money may even be available by the end of the day.
6. On the scheduled repayment day, the lender will attempt to withdraw the principal and any associated fees from your bank account, at which point the loan will be considered repaid.

Our Advantages Over Direct Lender Applications

There are several key benefits to applying for a loan through PaydayLoansSpokane compared to applying directly with lenders:

1. Increased approval odds and faster processing times. When you submit a loan request via our platform, we sequentially share your information with over 100 direct lenders until one approves your request. This approach enhances your chances of approval, even if you have poor credit, no credit history, or are unemployed. In contrast, applying directly may result in rejection based on strict eligibility criteria, forcing you to complete multiple applications—which can be time-consuming and sometimes fruitless.
2. All our partner lenders are reputable direct lenders. We thoroughly vet every lender to ensure they operate within the law, adhere to fair lending practices, comply with our strict marketing standards, and offer genuine loan products. When you work with us, you can be confident that the lender you are connected with is both legitimate and reliable.
3. The lender you are matched with is a direct lender. While we are not a direct lender ourselves, our partner lenders are. This means that once you are matched, you deal directly with the lender without any intermediary involvement.
4. No extra fees compared to direct applications. We earn a fee from the lender for connecting you with them, which means you are not charged any additional fees compared to applying on your own.