Why Spotloan

We’re here to help when you need a boost.

A short-term loan from Spotloan is better than a payday loan

Today's payday loans are a bad deal for most people with bad credit for two reasons:

Payday loans don't give you the time you need to pay your loan back.
Payday loan fees don't reduce your balance. When you make a payment to rollover your loan, it doesn't actually count against the balance you owe which takes you further in debt.

We knew there had to be a better alternative, which is why we created Spotloan.

We give you control

Spotloans are short-term installment loans. If approved, you can get up to $1,500 if you're a preferred customer with 10 or more loans, or up to $800 if you're a new or repeat customer. You also get the time you need to pay off your loan - up to 10 months!

Loans you control

Apply for the loan amount you need and pick your loan duration and payment frequency.

Manage payments

We make managing your loan easy with features like autopay and allowing flexible payment options!

Save more money

With Spotloan there are no prepayment penalties so the earlier you pay off your loan, the more you save!

Why our customers love our short-term loans

Over 1 million people have used Spotloan! Find out for yourself why our customers love Spotloan's short-term loans and keep coming back. Read through over 27,000 Spotloan reviews on Trustpilot to see for yourself. Give us a try and experience Spotloan's top-rated customer service, offering secure and professional help.

🧮 Lower APR

You may be eligible for a lower APR on your next Spotloan when you pay off your first Spotloan in full and on time! Learn more.

🙂 Friendly Support

Highly trained customer service agents to help you every step of the way!

🥳 Freedom

The freedom to pay off your Spotloan at any time with absolutely no prepayment penalty!

🤸 Flexibility

Need to change your payment schedule or amount? Just contact us at least two business days before your next payment is due and a Customer Service Representative will work with you! Learn more.

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.