HOW WORKS

  • 1

    Pick your terms

    Think about how much you need to borrow and select a payment amount that works for your budget. The payment amount you chose will determine how long it will take to pay it off.

  • 2

    Fill out a simple online application

    Our application is completely secure and confidential. Just fill it out in two simple steps and you’ll know right away if you get approved for a Spotloan.

  • 3

    Get cash in your bank account

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.

GET STARTED

 
 

WHAT YOU’LL NEED
TO APPLY

  • Proof of Employment

  • A Qualifying Bank Account

  • An Email Address

If you get approved, we’ll send you an email with a link for you to confirm the terms and conditions before we send the loan your way.

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, Connecticut, District of Columbia, Illinois, Maryland, Massachusetts, Minnesota, New York, North Dakota, Pennsylvania, Vermont, Virginia, and West Virginia.

  • Our maximum interest rate is 490%. 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.

If you have any questions about Spotloan, please contact us or check out our FAQ for further information.

 
 

EASY APPLICATIONS. FAST APPROVALS. GREAT LOANS.

GET STARTED