Get up to $800 on the spot!

Rates for:
every two weeks


Your APR and payment amounts will vary based on your actual term and payment schedule. 
Based on your selection above, you will make 10 payments of $137.
See example schedule.

  • How it works:
  • 1.Apply Online
  • 2.Get an answer fast
  • 3.Get cash as soon as tomorrow

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 principal with each on time payment. Borrow $300 to $800 and pay us back a little at a time.

Why Spotloan Online Loans?

  • Bad credit? No credit? Not a problem!
  • Spotloan lends to people other companies don’t
  • Applying is super fast and easy
  • Great customer service, you can always talk to a real person!
  • Cash is transferred into your account within 1-2 business days
  • Pay us back over months, not weeks. Take as long as 10 months!
  • Pay down loan principal from the start
  • Affordable payments
  • Predictable payment amounts that help you budget
  • Pay your loan off in full anytime with no prepayment fees
  • Some lenders won’t tell you the APR, we will; Click here for more information
  • Return customers get a lower APR
  • No collateral required
  • Easily manage your account through our online customer portal

Why an Online Installment Loan?

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 including…

  • Medical or dental bills that insurance doesn’t cover
  • Car repairs
  • Car towing charges
  • Unexpected home repairs, such as plumbing, heating, or air conditioning
  • New refrigerator, dishwasher or other appliances
  • Taxes owed
  • Credit card payments
  • Unexpected travel expenses(due to family death or illness or other reasons)
  • Job layoff or other loss of income
  • A sick pet
  • Broken or lost cell phone
  • Personal computer crash
  • Family emergencies

Everyone faces unexpected events. With a Spotloan, you can get the money you need fast to bounce back.

Can I Get a Spotloan if I Have Bad Credit?

Lenders use your credit score to determine if you’re a good or bad risk for a loan. Credit scores range from 300 to 850. The higher the number, the better your score, and the easier it is to get approved for loans. Many lenders consider consumers with scores of 620 or lower to be a bad credit risk.

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

Join more than 250,000 Spotloan customers who found a better way to borrow cash

Happy People

"Truly a painless process. No belittling… no embarrassment… no judgment. Just plain old fashioned help when you need it." - Andrea P.