The Spotloan application is fast, easy and totally secure. Apply today and you can get money in your account as soon as tomorrow!
Here's how it works
1. Pick your terms
Think about how much you need to borrow, select a payment amount that works for your budget and find out how long you have to pay it off.
2. Fill out a simple online application
Our application is completely secure and confidential. Just fill it out and we will give you a quick call to complete your application.
3. Get cash in your bank account
Your checking account may get the funds as soon as tomorrow if approved and confirmed before 8 p.m. Eastern Time.
Get the cash you need
as soon as tomorrow!
Here are few more things you should know: You’ll need a job or other steady source of income, a qualifying bank account to deposit funds, and your own email address so that we can send you all of your Spotloan information.
When you get your loan, you’ll know the cost down to the penny and have a plan to pay it off over time. Spotloan offers solutions that work when the money gets tight. Now that’s something worth smiling about.
Availability and Rates
Spotloans are currently available to residents of all states except Arkansas, Colorado, Connecticut, District of Columbia, Maryland, Massachusetts, Minnesota, New Hampshire, New York, North Dakota, Pennsylvania, Vermont and West Virginia.
Our maximum interest rate is 390%. Annual Percentage Rate (or APR) expresses the cost of the loan as a percentage of the amount borrowed converted to an annual rate.
Spotloan does not discriminate against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of an applicant's income derives from any public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act.