How to apply for a loan?
To get your paycheck two days earlier or apply for other services, access the company’s website.
Click the “Get Started” button to enable the application process;
You will have to sign up into your account or create a new one;
Provide your bank information and employment details;
Wait until your account is verified;
Wait for the card to be issued.
Requirements
To use Spruce, you should be a US resident of at least 18 years old.
The registration process on Spruce takes a few minutes. You need to provide only basic personal information:
E-mail
Phone number
Address
Social Security Number.
You will need to notify your employer of the enrollment, so your payments can be processed through Spruce.
You can use the Courtesy Coverage program to be eligible to have a negative balance of up to -$20. To be eligible, you must get $200 on your account during the 35-days period.
