FAQ

You’ve got questions.
We’ve got answers

Frequently Asked Questions

Applying for a loan

How do I make an identity theft records request?

How do I qualify for a Spotloan?

Are Spotloans available for residents of any U.S. state or territory?

When will I know if my Spotloan is approved?

How long does the application process take?

When do I get my money?

UNDERSTANDING THE COST OF A SPOTLOAN

What is the interest on a Spotloan?

How do Spotloans compare to payday loans?

How do I decide if a Spotloan is right for me?

PAYING OFF YOUR LOAN

How can I make a payment?

What if I can’t make my next payment?

WORKING WITH SPOTLOAN

How do I contact Spotloan?

YOUR INFORMATION

What is your privacy policy?

Why do you need my bank account information?

What is a qualifying bank account?

What happens if my loan doesn’t go to the right bank account?

Do you check my credit?

How does the credit check work?

Why is Spotloan calling my friends and family?

SPOTLOAN TERMS OF SERVICE

What are the terms of service on my Spotloan?

What happens if I make a late payment?

What’s your policy on responsible lending?

What fees are associated with a Spotloan?

What’s your renewal policy?

How does Spotloan comply with state and local regulations on short-term loans?

You are not licensed in my state. Does that mean I don’t have to repay my Spotloan?