Join Over 1 Million Borrowers Who Have Trusted Spotloan

To apply for a Spotloan, you’ll need:

• A job or other regular source of income
• A checking or savings account
• A SSN, a valid email address, a mailing address, and phone number
• To be at least 18 years old

Once you apply for a Spotloan online loan, we’ll be able to tell you whether or not you qualify for a Spotloan. Please note that there are a few instances where we may need to verify your identity once you’re approved. In that case, you’ll be required to verify your identity with our third party provider before your loan is funded.

Spotloans are currently available to residents of the following states:

Alabama, Alaska, Arizona, California, Colorado, Delaware, Florida, Georgia, Hawaii, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Massachusetts, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin, and Wyoming.

As soon as you complete your application online, you’ll know within one minute or less if you are approved.

The application process is fast as it is done completely online. Most people complete the process in about 10 minutes. Please see "When do I get my money?" for more information on loan funding times.

Monday through Friday before 1:45 p.m. CT

Spotloan will transfer the money to your bank by the end of the business day on the same day the approved loan was accepted by you.* Your bank could make that money available to you immediately thereafter. If you do not see your funds by the end of the day, be sure to contact your bank for specifics.

Monday through Thursday between 1:45 p.m. CT and 8 p.m. CT

Spotloan will transfer your funds to your bank overnight.
Your bank could make that money available to you first thing in the morning.* If you do not see your funds by 9 a.m. local time, be sure to contact your bank for specifics.

On a Friday after 1:45 p.m. CT through Sunday

Spotloan will transfer your money over the weekend and it will be waiting at your bank on Monday morning.* If you do not see your funds on Monday morning, be sure to contact your bank for specifics. However, please know that in some instances, for your protection, after you are approved we may ask you to provide verification of your identity before your loan is funded. In these cases, we will notify you by email with a request for additional information. *If this falls on a banking holiday, this will apply to the next business day. See federalreserve.gov for details.

You have three days from the date you receive your funds to return the funds at no cost to you. To start the process, you can either pay back your loan in full online or contact us at (888) 681-6811 or [email protected]. Be sure to contact us during business hours, before your three-day rescission period comes to an end.