My loan terms
$ Every 2 weeks
How do spot loans work
The entire application process takes about ten minutes or less, and it’s completely secure. Apply online or on the phone today and you can have cash in your account as soon as tomorrow.
How to Apply
Apply online in minutes
Our application is completely secure and confidential.
We’ll give you a quick decision
One of our friendly relationship managers will call you to let you know if you're approved for your Spotloan.
Get your cash as soon as tomorrow
As soon as you’re approved, we’ll send the money directly to your bank account. The money will usually arrive in as little as 24 hours.
How to Pay Us Back
When you apply for a Spotloan, your relationship manager will go over all your payment information with you on the phone, including the amount of your payment and your payment schedule.
Once you receive your Spotloan, your payments are usually deducted from your checking account each time you are paid. Our customers tell us that this is the most convenient way for them to pay. If you prefer, you could also mail us checks. There is no balloon payment at the end of your loan and no hidden fees along the way.
Let us know if you ever think you will have trouble making your payment. Just call us at least two business days before your payment is due, and we’ll work with you to get you back on track. We want you to succeed, and will do our best to help.
How We Work Together
No one likes to be passed around a call center. When you sign up for a Spotloan, you’ll get a dedicated relationship manager who can answer any questions and take care of anything that comes up.