www.spotloan.com

3.8
3.8 Based on 221 reviews

We’re here to help when you need a little extra cash. Our loans are better than payday loans - they’re installment loans. You’ll get the cash you need quickly at up to half the cost of other lenders. No late fees. No surprises. Even if you've been denied ...

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Average Rating

3.8

/
5

221 Reviews

5 Star
59%
4 Star
9%
3 Star
6%
2 Star
5%
1 Star
20%

All Reviews

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Review Time

Mark Farmer
It's good very helpfull

It's good very helpfull

4
Date of experience: Nov 04, 2025
Nick BBig
They take advantage of everyone

They take advantage of everyone. I go and look on my dashboard and it says 490% interest rates. As a retired disabled combat veteran I find this disgusting. I will pay back the 800$ however I’ve already made a few payments so as far as I’m concerned they already got their money back in interest. I have disliked them from my bank and will be making 100$ payments a month for 8 months. Do yourself a favor and stay away!

1
Date of experience: Oct 20, 2025
mono
I’m a repeat customer

I’m a repeat customer. I’ve had 3-4 loans with them so far. I usually pay them back within a week or 2 so that I don’t incur a lot of interest. For some reason they’ve stopped lending to me.

2
Date of experience: Sep 25, 2025
Alex Munoz
Predatory loan Avoid this company they…

Predatory loan Avoid this company they lend you $600 but want $3000 back these people deserve their place in HELL.

1
Date of experience: Sep 03, 2025
Michael
Scammers

Owned by the Turtle Mountain band of Chippewa Indians. They scam everyone and our only doing this for extra cash for there reservation.

1
Date of experience: Aug 25, 2025
customer
They charge way to much interest

They charge way to much interest , but I wasn't to worried I figured I would double my payments to avoid the high interest and pay off early. Surprise the web site wouldn't let me. Sent messages twice about their web site not allowing me to make early payments never heard back. It's a rip off don't trust them. There other site that is much more honest. Will never use again.

1
Date of experience: Aug 10, 2025
Karen Blum
Could not key in verification code and …

Could not key in verification code and I tried too many times. Called to see if I could get it fix and told me they could fix it, I had to 45 days and reapply.

1
Date of experience: Aug 08, 2025
Cindy
Quick and easy to apply and get…

Quick and easy to apply and get approved. They do lower interest rate of you are recurring customers. Love the payment plan option.

5
Date of experience: Jul 29, 2025
Bo Wilson
Repeat Customer…

I have had quite of few loans from spotloan. I like the fact that you get an actual timeline and you see your balance going down unlike other similar agencies. They do actually lower your interest rate with repeat customers. They only reason I didn't give 5 stars is that it didn't go down low enough but Oh well. Still great in emergencies or if you need a little extra.

4
Date of experience: Jul 10, 2025
Agnir71
Think twice

If you're in need and need quick cash please do not go to Spotloan. I agree it is fast and easy but don't do it. I took a loan for 500$ at a 490% interest rate. With a 1800$ to payback amount. During a conversation, the Spanish-accented guy is the only one who answers the calls. I asked if I have to pay back 1800$ he said No you can pay your loan anytime. But the loan has not moved after several payments. I requested a change to my payment due date. In my application, I specified that my pay date is, but the current payment due date is set before this, which creates financial difficulty for me. Now every time I'm 2 days late I pay a 5$ daily interest rate. It's a setup to keep you paying. Think twice loves.

1
Date of experience: Jul 10, 2025

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Business Details

  • We’re here to help when you need a little extra cash. Our loans are better than payday loans - they’re installment loans. You’ll get the cash you need quickly at up to half the cost of other lenders. No late fees. No surprises. Even if you've been denied by other lenders, Spotloan may still be your answer. We say yes when other lenders say no. And, every loan with Spotloan contributes to economic growth and the betterment of a community in need. Learn more at Spotloan.com.See more

  • email help@spotloan.com
  • call 8886816811
  • language https://www.spotloan.com/

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