Due to COVID-19, Spotloan has temporarily updated our Phone Support hours as follows:

Monday - Friday 8:00 a.m. CT - 6:30 p.m. CT, Saturday 9:00 a.m. CT - 6:00 p.m. CT.

 
 

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 choose 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. Your application can be completed in just two simple steps.  If you are approved, you can get up to $800.

  • 3

    Get YOUR MONEY in your bank account

Spotloan is a better way to borrow extra money when you need it. 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

To apply for a Spotloan, you will need to provide contact information including your physical mailing address, a valid email address, and telephone number. You will also need to provide banking information including the routing number and account number for your financial institution where you would like your funds deposited.  Finally, you should be prepared to answer questions regarding your income and pay frequency.

 
 

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