GET UP
TO $800

GET STARTED

every two weeks

Checking your rate won't affect your credit score

Based on your selection, you will make

13 payments of $126*

*Our maximum interest rate is 490%. Your APR and payment amounts will vary based on your actual term and payment schedule.

 
 
  • Apply online

    It takes minutes!

  • Get an answer, fast

    Instant approval status!

  • Get money as soon as today

    Find out how

 
 

What you should know about

Spotloan is a better way to borrow extra cash. It’s not a payday loan. It’s an installment loan, which means you pay down the balance with each on-time payment. Borrow $300 to $800 and pay us back a little at a time.

HOW IT WORKS
 

WHY ?

CAN HELP WITH EXPENSES LIKE

  • Why an Online Installment Loan?
  • How long does the application process take?
  • What if I have bad credit?
  • How do I decide if a Spotloan is right for me?

Consumers have multiple types of loans from which to choose, including home loans, car loans, credit card advances, and home equity loans. Online installment loans are designed to help when you need a short-term loan fast and have bad credit or even no credit.

Consider an online installment loan if you’re short on money, don’t have other credit options, and need help with expenses.

Learn about online installment loans

The application process is fast as it is done completely online. Most people complete the process in about 10 minutes. 

If you accepted your loan terms on a Monday through Friday, before 10 a.m. CT, Spotloan will transfer the money to your bank by no later than 3 p.m. on the same day. If you accepted your loan terms on a Monday through Thursday between 10 a.m. CT and 8 p.m. CT, Spotloan will transfer your funds to your bank overnight. If you accepted your loan terms on a Friday after 10 a.m. CT through anytime on Sunday, Spotloan will transfer your money over the weekend and it will be waiting at your bank on Monday morning.

Learn about online installment loans

Most lenders shy away from lower credit scores that rely on prior loan and credit card history available from the 3 credit bureaus. However, we reach beyond the bureaus and scores using an advanced algorithm to spot real people with the real intent to pay, despite low credit scores, past credit problems, or lacking credit history.

If you have a bad credit score, or have not borrowed before, Spotloan can help you get money fast. No collateral is required.

Learn about online installment loans

Only you can decide if a Spotloan is right for you.

Banks, credit cards, or even friends and family may be able to offer you better loan terms. We encourage you to check with them before you apply for a Spotloan.

Learn about online installment loans