SMS Terms and Conditions

Last Updated January 8, 2025

By agreeing to receive text messages from Spotloan, you agree to the following SMS Terms and Conditions:

Message Frequency: Message frequency may vary per month from Spotloan. These messages will pertain to your loan application and other loan-related matters, including payment-reminders.
Opt-out: You can opt-out of receiving text messages at any time by replying “STOP” to any message you receive from Spotloan. Once you opt-out, you will no longer receive any text messages from us, except confirmation of your opt-out request.
Support: For support or assistance regarding text messages, reply with "HELP" or contact us at 888-681-6811.
Data and Message Rates: Standard message and data rates may apply to any messages received from Spotloan. Please refer to your mobile provider for details regarding your messaging and data plan.
Privacy: Spotloan is committed to protecting your privacy. Your information will only be used for the purposes of transactional messages regarding your loan application and your Spotloan, such as payment-related messages. We will not share your information with third parties for marketing purposes without your consent. Please refer to Spotloan’s Privacy Notice.
Modification of SMS Terms & Conditions: Spotloan reserves the right to modify or amend these SMS Terms & Conditions at any time. Any changes will be effective immediately upon posting the modified SMS Terms & Conditions in our Terms of Use.
Participating Carriers: Participating Carriers: Most carriers available in the U.S., including but not limited to, AT&T, T-Mobile, Metro PCS, Verizon Wireless, US Cellular, Google Voice, Cellular One, Cellcom, Cellular South, Interop, Clarsky, and C Spire.
Carrier Liability: Carriers do not guarantee that alerts will be delivered and will not be liable for delayed or undelivered messages.

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Spotloan is a brand owned by BlueChip Financial ("BlueChip"), 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 (the "Tribe"). BlueChip is located on, operates within, and originates and services loans from the Tribe’s reservation. Though Spotloans are available to residents of certain states, consumers should know that BlueChip’s lending license is issued by the Tribe's Lending Commission, and not by the states in which its consumers may reside. Although the visitation is electronic, consumers are coming on to the Tribe’s reservation and subject to the Tribe’s jurisdiction to obtain a Spotloan.