Debt

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April 27, 2023

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Emotional Spending: Why do I do it? How do I stop?

What is emotional spending, why do we do it, and how can we make less emotional choices with our money?

March 3, 2020

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What Happens to Debt When Someone Dies?

The process of dealing with debt after someone dies can get a bit complicated. This article addresses the details of repayment methods and debt types.

March 10, 2020

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How to Avoid Building Credit Card Debt

Avoid Credit Card Debt.

888-681-6811

[email protected]

Spotloan, PO Box 720, Belcourt, ND 58316

Spotloans are designed to help you deal with emergencies such as rent, medical bills, car repairs, and expenses related to your job. Spotloans are not intended to solve longer-term credit or other financial needs, and alternative forms of credit may be better for you, including borrowing from a friend or relative, using a credit card cash advance, taking out a personal loan, or using a home equity loan or savings. Contact our customer service team by email at [email protected] or by phone at 888-681-6811 to discuss if a Spotloan is right for you.

Spotloan is a brand owned by Ningo Lending LLC ("Ningo"), a tribal limited liability company formed under the laws of and wholly owned by the Turtle Mountain Band of Chippewa Indians of North Dakota, a federally recognized Indian tribe (the “Tribe”). Ningo is located on, operates within, and originates and services loans from the Tribe’s reservation. Though Spotloans are available to residents of certain states, consumers should know that Ningo’s lending license is issued by the Tribe's Lending Commission, and not by the states in which its consumers may reside. Although the visitation is electronic, consumers are coming on to the Tribe’s reservation and subject to the Tribe’s jurisdiction to obtain a Spotloan.