Spot Me Loans E Thomas Rd, Scottsdale
7919 E Thomas Rd Suite #108, Scottsdale, AZ 85251, United States

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Reviews
L
This place is amazing!!! Me and my husband were in a tight spot and needed a loan. We walked in and the atmosphere was so welcoming!! We did the paperwork and within 10 minutes had our approval and a few minutes after that had our loan!! In between that we had a wonderful conversation with the lady that was helping us!! Spot Me took what was a stressful day and turned it around!! We got the max loan and the rates are amazingly low!! This company has our business for life and we will be sure to spread the word about how awesome you guys are!!! Thank you!!!!
We are so glad we were able to help you both out Lindsay. We appreciate you taking the time to leave a positive review! We love being able to help, that is what we truly try to do, help. We look forward to being your safety net, should you ever need us again.
J
Terrible business with awful service and out to get the consumer. They will not work with you and escalates issues quick. Stay far far away. You are better off not paying bills and being late than what these guys will do to you. Within two weeks they will file a lawsuit and garnish wages and put a judgment record on your credit report which is a guaranteed 20 point hit. Live with no lights if you have to. Every other company I've worked with has much better customer service and works with you.
Thank you for your review Johnny Anonymous. We appreciate the feedback. As you know when you agree to the loan we do repeatedly let you know that we will work with you if you choose to communicate your situation with us. We make every attempt to reach out to our clients through phone calls, text messages and emails. Yet when we have no communication back we do have to take steps to recover the funds lent out. We are always willing to work through challenging times with our clients. While it is impossible for us to know your situation due to your choice to not use your real name, please know we are willing to work with those clients who choose to communicate with us, make arrangements and then follow through with their agreements. The wheels of the legal process turn very slowly and the time from a summons for a case to garnishment is several months. The doors to communicate during that time, avoid judgement and garnishment, by both making and keeping payment arrangements, are always open. We are sorry that your situation did not go this way as it is definitely not our preferred method of recovering unpaid monies either.
T
Shady, negative, bad energy and the Agent Shana callously denied me without explanation!!! No credit check required!! I make a monthly net income that exceeds the requirements and no reason I didn't walk out with any help. I'm struggling due to a funeral and expenses.. my electric is off and no food. This loan was an emergency not cool. Horrible experience 😡😢😢
Thank you for your feedback Tyesha. We appreciate you letting us know about your experience and we are very sorry to hear about the hardships you are facing. The approval department will not always tell an agent the reason for the decline and as such Shana would not have been able to tell you anything more than it was declined. Once a decision is made there is not an opportunity to reverse it, regardless of the circumstances. There are several factors considered during an application and unfortunately we were not able to get your application approved. While we cannot speak directly to the details of your application some of the different factors included in the decision process can and may include not just income, but also your debts to income ratio, any recent garnishment or eviction activity as evidenced by public records (see http://justicecourts.maricopa.gov/FindACase/casehistory.aspx to lookup open and closed cases here Maricopa County) as well as a many other factors. While some loan places will lend with different criteria this is just a small portion of our business practice and is part of what sets us apart. We are again, very sorry for the difficulties you are facing and understand how upsetting being declined would have been to hear. We hope that you will find a solution soon that better suits your needs.
A
This company deserves a 10 star review!! Thankful for all they do for others. Always striving to provide great solutions for those in need. Honest, Professional, Transparent & Giving. They will do everything they can to assist those in need of a loan. Thank you ! AJ Flores
Hi AJ, and thank you for your kind review. We do work very hard to be different, from the look of our office, to getting approved (we have a higher standard, more required documents than some others) and throughout the loan process. There is nothing hidden, no credit checks, no prepayment penalties and we tell you all about the loan before you sign a contract! We even let you know what to do to help you pay LESS in interest, not more! Our loans are always amortized (never interest only) which saves you money with no balloon payment at the end of your contract! It always a pleasure doing business with clients who appreciate why these differences matter!
M
Over the past 3 years I had 2 loans with this place and paid on time. A year later after paying off my last loan I came for a small loan, I was denied! Denied?? I make 3 times the minimum and have established history with you... lol, I'll certainly take my business and interest with me.
Thank you for your feedback Monique. We appreciate you letting us know about your experience and we are very sorry we were unable to approve you at this time. Once a decision is made there is not an opportunity to reverse it, regardless of the circumstances, and though you do have a history with us and your income is above the minimum, there are several factors considered during an application and unfortunately we were not able to get your application approved. While we cannot speak directly to the details of your application some of the different factors included in the decision process can and may include not just income, but also your debts to income ratio, any recent garnishment or eviction activity as evidenced by public records (see http://justicecourts.maricopa.gov/FindACase/casehistory.aspx to lookup open and closed cases here in Maricopa County) as well as a many other factors. While some loan places will lend with different criteria this is just a small portion of our business practice and is part of what sets us apart. We are again, very sorry we are unable to help at this time and understand how upsetting being declined would have been to hear. We hope that you will find a solution soon that better suits your needs.
S
They are great, honest, and professional! They will do everything they can to assist those in need of a loan. They are always willing to help when I get in a tight spot and I appreciate it. Repayment terms/rates are good.
Hi Shaniece, and thank you for your kind review. We do work very hard to be different, from the look of our office, to getting approved (we have a higher standard, more required documents than some others) and throughout the loan process with friendly and understanding reminders! There is nothing hidden, no credit checks, no prepayment penalties and we tell you all about the loan before you sign the contract. We even let you know what to do to help you pay LESS in interest, not more! Our loans are always amortized (never interest only) which saves you money with no balloon payment at the end of your contract! It always a pleasure doing business with clients who appreciate why these differences matter! Have a great holiday and again thank you for taking the time to leave a kind review!
A
Love everyting about this business. This establishment is the most ethical company you will ever meet. They are truly for the people & assisting them in every way they can. SML is by the book & cares for their clients. SML will do all it takes to assist you in paying off your debt. The paymnent program works unlike others in her industry. Highly recommended.
Thank you for your reply. We appreciate you taking the time to let us know about your thoughts! We do choose to do things differently than others and work very hard at making sure that we are a good fit for our clients and serve them as best we can if we are a fit for their situation. Thanks for making our day!
B
If you need a vehicle registration loan in Arizona, you can't beat these guys. They are friendly and won't try to get you into a loan you don't need. It's refreshing to have them care more about you than getting a loan and taking the time to find out what you need.
Thank you Brian. It is always a pleasure to work with folks like you who know when something is a good idea and in a persons best interest. We always strive to do what is best for a client. Thank you for helping make sure we do just that!
J
Wasn't able to get a loan. Wish the website would tell you exactly what is needed in order not to waste time. The woman there was pleasent, but they should mention their criteria or if they do a soft credit pull.
Hi Jessica, we are sorry we were not able to help you. We do not pull credit at any level which is exactly what we say on the website. Credit scores and credit pulls are not something we utilize at all in the underwriting process. As all of our information states, simply bringing in the documentation required does not guarantee a loan. Again, We are sorry we could not help and we certainly wish we could have! We hope you have better luck elsewhere!
T
Wow faxed paperwork in was denied 5 mins later with no reason but what I am seeing is probably some ole racist's underwriters no wonder out of all the loan places this one has 90 pecent bad ratings. But thank for not even taking the time to really see if I was qualified.
Hi Tyree, Thank you for taking the time to express your feelings about the loan process. We do try to be efficient and while it may have felt like 5 minutes, our report shows it was 25 minutes after we received your faxed documents that the credit decision was finalized. This is actually longer than our standard 10-15 minutes, so we apologize for the delay. Our representative who called you did explain that we would be sending the reason for the decline to you by mail so that you could have it in writing. Our approvals department takes their jobs very seriously, and after reviewing both the application you submitted and the documents received they made their decision based on our proprietary algorithms. We are sorry we were not able to approve you at this time, as denials are not what we are in business to do! Best of luck and we hope you find a loan product that serves you!
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FAQs
1. How Can I Get Related With Spot Me Loans?
In order to connect them for loans, you can making a phone call by +1 480-245-6415, or you can direclty seek out loans from the Internet. If you need any loans like online personal loans, you can click here, which will be faster.3. How Can I Apply for a Loan at Spot Me Loans?
The most efficient way is to fill out their online application form. For your need of cash advance loans from the Internet, simply browse our site to find further information.5. What To Do If I Cannot Repay The Loan On Time?
The best way is to talk with your lender at first and think of a solution for both parties.
2. Where Do I Find Spot Me Loans?
Spot Me Loans is located at 7919 E Thomas Rd Suite #108, Scottsdale, AZ 85251, United States. If you wan to visit them on the spot, you can make use of the map to find a way to get there.4. Is Spot Me Loans an Agency? Or a Lender?
Spot Me Loans is a Loan agency. Or you can directly find CocoLoan, which is an online lending agency, can help you connect with 100+ lenders to get miscellaneous loans like installment loans online, look at this page to find out more.6. Can Spot Me Loans Provide Online Title Loans?
Sure. You can get title loans if you click here.