Over 1 Million Customers

Apply in Minutes, Funds As Soon As Today

If approved, accept your Spotloan before 1:30 pm CT M-F and funds will be transferred by end of day!

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Over 1 Million Customers

What is Spotloan?

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 up to $1,500 (up to $800 for new and repeat borrowers, up to $1,500 for preferred customers with 10 or more loans). Then, pay us back a little at a time.

Spotloan can help with all of life's emergency expenses

Hospital Bills

Car Emergencies

Rent

Utility Expenses

New Appliances

Sick Pet

Broken/Lost Cell Phone

You might ask...

How do I decide if a Spotloan is right for me?

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.

How long does the application process take?

The application process is fast as it is done completely online. Most people complete the process in about 10 minutes.

What if I have bad credit?

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.

Why an Online Installment Loan?

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.

See more Frequently Asked Questions

Why choose Spotloan?

Get Money Fast

Most people complete the application and find out if they're approved within minutes. If you're approved and accept your loan terms before 1:30 PM CT M-F, your funds will be transferred by end of day!

Pay over months, not weeks

Unlike payday lenders, you can take as long as 10 months to pay us back, or pay us sooner and save on interest. It's up to you!

Half the cost of other lenders

We can offer loans at up to half the cost of other small-dollar lenders, payday companies, and pawn brokers, and without the hidden fees!

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What people are saying

Join more than 1,000,000 Spotloan customers who found a better way to borrow cash.

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Spotloan Disclosures

The Spotloan terms presented above are designed to help you explore your options and may not be the actual loan terms you qualify for. We will not pull your credit until you complete the loan application and click "Submit."

You must apply using our loan application to see if you qualify for a Spotloan.

Your Annual Percentage Rate (APR), daily interest rate, and payment amounts will vary based on your actual loan terms, including your loan amount and chosen payment schedule. The loan options presented above are based on our maximum APR of 490%.

For more information on how simple interest loans work, on if and how we may use your credit information, or on how a Spotloan may affect your credit, please see our FAQ page.

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.