Join more than 1 Million Spotloan customers who found a better way to borrow money
Think about how much you need to borrow and select a payment amount that works for your budget.
You choose how long you want to pay the loan back - take as long as 10 months to pay.
Plus, you can pay your loan off early with no prepayment penalties.
Our application is secure and confidential.
Apply online in ten minutes or less! New and repeat customers can get up to $800. Preferred customers with 10 or more loans can get up to $1,500.
Once approved, you can get your money fast!
Same day - accept your loan terms on a Monday through Friday, before 1:30 p.m. CT.
Overnight - accept your loan terms on a Monday through Thursday between 1:30 p.m. CT and 8 p.m. CT.
Next business day - accept your loan terms on a Friday after 1:30 p.m. CT through anytime on Sunday.
Funds will be transferred during these time windows, but availability of funds depends on your bank.
Be prepared to answer questions regarding your income and pay frequency.
You will need to provide banking information including the routing number and account number for your financial institution where you would like your funds deposited.
You will need to be at least 18 years old & provide information including your SSN, email address, mailing address, and phone number.
Only you can decide if a Spotloan is right for you.
It is important to note that a Spotloan 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, and 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.
The application process is fast as it is done completely online. Most people complete the process in about 10 minutes.
We reach beyond the bureaus and scores using an advanced algorithm to spot real people with the real intent to pay, despite low credit scores.
Spotloan offers an emergency installment loan. Online installment loans are designed to help when you need a short-term loan fast and have bad credit or even no credit. Installment loans allow for more flexibility and a greater repayment period.
Spotloans are currently available to residents of all states except Arkansas, Connecticut, District of Columbia, Illinois, Maryland, Minnesota, New York, North Dakota, Pennsylvania, Vermont, Virginia, and West Virginia.
Our maximum Annual Percentage Rate (APR) is 490%. 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 page for further information.
