The Spotloan application is fast, easy and totally secure. Apply today and accept your loan terms and you can get money in your account as soon as today!

  • 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

    Your checking account may get the funds as soon as today if approved and confirmed before 10 a.m. CST
    (that’s 11 a.m. EST and 8 a.m. PST)

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 principal with each on time payment. Borrow $300 to $800 and pay us back a little at a time.




  • 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.



  • 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.




BlueChip Financial Logo

SpotloanSM is a brand owned by BlueChip Financial, a tribally-owned entity organized under and governed by the laws of the Turtle Mountain Band of Chippewa Indians of North Dakota, a federally recognized Indian Tribe. BlueChip is located on and operates within the Tribe’s reservation.


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Please note: This is an expensive form of credit and is intended only for short-term financial needs. Spotloans are designed to help you deal with emergencies such as rent, medical bills, car repairs, or 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 one of our relationship managers to discuss if a Spotloan is right for you.