Even-though the interest rate is high when I first took out a ($800 loan @ 490%) now down to (460% for my second $800 loan) I just took out, Spotloan as a company is right there when you need them the... Mehr ansehen
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Wir überprüfen keine spezifischen Behauptungen, da die Meinungen der Bewerter ihre eigenen sind. Wir können Bewertungen jedoch als „verifiziert” kennzeichnen, wenn wir bestätigen können, dass eine geschäftliche Interaktion stattgefunden hat. Mehr erfahren
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Das sagen Bewerter
1-Star Review for Spotloan Spotloan is one of the worst loan experiences I've ever had. Their loans come with extremely high fees and hidden interest that they don't make clear upfront. What looks... Mehr ansehen
Unternehmen hat geantwortet
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 rat... Mehr ansehen
Unternehmen hat geantwortet
The fact that spotloan calculated the payments better than others, adding additional to them so the loan is being paid off versus barely making a dent. Others just add the payment plus the processing... Mehr ansehen
Unternehmen hat geantwortet
Unternehmensdetails
Vom Unternehmen geschrieben
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.
Kontaktinformationen
P.O. Box 720, 58316, Belcourt, Vereinigte Staaten
- (888) 681-6811
- help@spotloan.com
- www.spotloan.com
4.2
Gut
28’961 Bewertungen
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Loan terms illegal confirmed
Spot Loan replied to my concern about breaking the law in my State [NJ] with the high interest they charge. They said I agreed to the loan terms. My concern is the legality of the loan, I am not disputing I agreed. This is my response to spot loan below.
Ok all that said the terms of your loan are illegal in my state correct? The fact that I agreed to those terms is another matter.
You have broken the lending laws of the State of New Jersey, The fact that I agreed to the terms does not make the terms of the loan legal.
If I am correct you are saying you did break the law in my state but you are exempt from the laws of my state?
2. Dezember 2025
Bewertung ohne vorherige Einladung
Antwort von Spotloan
As disclosed on our website, in the loan application, and in your loan documents: Though Spotloans are available to residents of certain states, consumers should know that Ningo’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.
Fees are way too expensive
Fees are way too expensive. Would not recommend.
3. Dezember 2025
Bewertung ohne vorherige Einladung
Antwort von Spotloan
Thank you for taking the time to leave a review. At Spotloan, we strive to provide a great loan product that helps customers with their emergency expenses. Further, we ensure that our interest rate and payment details are clearly listed on our homepage, on our website FAQ page, as well as on the loan agreement. This said we do encourage borrowers to pay off their loans as soon as possible to avoid accruing interest. In addition, we have no penalty for early repayment.
Yall fees are too too dang on high...
Yall fees are too too dang on high.... I will not be dealing with you Any more after I pay off my loan and I will advise other people. don't do it.
2. Dezember 2025
Bewertung ohne vorherige Einladung
Antwort von Spotloan
Thank you for taking the time to leave a review. At Spotloan, we strive to provide a great loan product that helps customers with their emergency expenses. Further, we ensure that our interest rate and payment details are clearly listed on our homepage, on our website FAQ page, as well as on the loan agreement. This said we do encourage borrowers to pay off their loans as soon as possible to avoid accruing interest. In addition, we have no penalty for early repayment.
Understanding
I was listening to by what I needed and not judged by being on SSI.
28. November 2025
Bewertung ohne vorherige Einladung
Antwort von Spotloan
Thanks so much for your positive review. Here at Spotloan, we work really hard to provide transparency in what we offer and to ensure our customers can enjoy an easy loan experience. We really appreciate knowing that our efforts have been successful!
They claim that I took out a loan with…
They claim that I took out a loan with them when I didn’t. Years ago when they reached out via email, I told them that I didn’t have a loan nor have done business with them and was given the reply that it was an error. I thought this was resolved after they acknowledged that it was their error. 2025 comes i get another email saying the loan i allegedly had was being transferred to a tribal lender? I am filing a complaint to the appropriate agency. They need to send me a debt validation letter showing all loan documents, including a copy of the email along with my reply and their acknowledgement that this was their error.
17. November 2025
Bewertung ohne vorherige Einladung
Antwort von Spotloan
Thank you for taking the time to leave a review for us. Please contact us at help@spotloan.com or (888) 681-6811 so that we can further assist you.
My daughter took out a loan
My daughter took out a loan. There is no way she should have been able to get one. She has NO credit. It is terrible. She is struggling and loan companies like this are only putting her and other people further in debt.
1. September 2025
Bewertung ohne vorherige Einladung
Antwort von Spotloan
Thank you for taking the time to leave a review. At Spotloan, we strive to provide a great loan product that helps customers with their emergency expenses. Further, we ensure that our interest rate and payment details are clearly listed on our homepage, on our website FAQ page, as well as on the loan agreement. This said we do encourage borrowers to pay off their loans as soon as possible to avoid accruing interest. In addition, we have no penalty for early repayment.
Honestly should have never done this
Honestly should have never done this . I’m in more debt with this loan this without it. Do not recommend .
12. November 2025
Bewertung ohne vorherige Einladung
Antwort von Spotloan
Thank you for taking the time to leave a review for us. Though we would like to help you, unfortunately, we are unable to locate your account. Please contact us at help@spotloan.com or (888) 681-6811 so that we can further assist you.
Antwort von Spotloan
We appreciate your time and the positive review. If you ever have questions or concerns, please email us at help@spotloan.com or call (888) 681-6811.
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!
20. Oktober 2025
Bewertung ohne vorherige Einladung
Antwort von Spotloan
Thank you for taking the time to leave a review. At Spotloan, we strive to provide a great loan product that helps customers with their emergency expenses. Further, we ensure that our interest rate and payment details are clearly listed on our homepage, on our website FAQ page, as well as on the loan agreement. This said we do encourage borrowers to pay off their loans as soon as possible to avoid accruing interest. In addition, we have no penalty for early repayment.
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.
25. September 2025
Bewertung ohne vorherige Einladung
Antwort von Spotloan
Thank you for taking the time to leave a review for us. Though we would like to help you, unfortunately, we are unable to locate your account. Please contact us at help@spotloan.com or (888) 681-6811 so that we can further assist you.
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.
3. September 2025
Bewertung ohne vorherige Einladung
Antwort von Spotloan
Thank you for taking the time to leave a review. At Spotloan, we strive to provide a great loan product that helps customers with their emergency expenses. Further, we ensure that our interest rate and payment details are clearly listed on our homepage, on our website FAQ page, as well as on the loan agreement. This said we do encourage borrowers to pay off their loans as soon as possible to avoid accruing interest. In addition, we have no penalty for early repayment.
Scammers
Owned by the Turtle Mountain band of Chippewa Indians. They scam everyone and our only doing this for extra cash for there reservation.
25. August 2025
Bewertung ohne vorherige Einladung
Antwort von Spotloan
We're sorry they feel that way but who we are is disclosed on our website and we offer loans to those who are typically shut out by traditional lenders.
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.
10. August 2025
Bewertung ohne vorherige Einladung
Antwort von Spotloan
Thank you so much for your review. We're pleased to tell you that we just recently started accepting debit card payments. To make a payment with a debit card, just give us a call at (888) 681-6811 to set it up. Be sure to check the Spotloan FAQ under "how can I make a payment" for more information." Thanks again!
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.
8. August 2025
Bewertung ohne vorherige Einladung
Antwort von Spotloan
Thank you for your consideration. Please go to your email to review your Adverse Action Notice for more information.
While listing the interest rate doesn’t…
While listing the interest rate doesn’t make this loan fair or ethical. The rates are outrageously high and designed to keep borrowers paying far more than they ever borrowed. Encouraging early repayment sounds good in theory, but for people already in financial hardship, it’s unrealistic. This is a predatory lending model, it takes advantage of those most in need. Calling it “help” is misleading and harmful. Borrowers deserve real solutions, not financial traps.
2. Juni 2025
Bewertung ohne vorherige Einladung
Antwort von Spotloan
Thank you for taking the time to leave a review. We're sorry to see that you feel we deserved only a one-star rating. We strive to ensure we provide all applicable details including APR and loan repayment terms in the loan agreement that our borrowers must accept before receiving their loan in their bank account. If you have any further questions, please be sure to check the FAQ on the spotloan.com website or call us at (888) 681-6811 or email us at help@spotloan.com.
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.
29. Juli 2025
Bewertung ohne vorherige Einladung
Antwort von Spotloan
Thank you so much for your positive review. For customers who accepted their loan terms on a Monday through Friday, before 11:30 a.m. CT, Spotloan will transfer the money to their bank by the end of the business day. For loan terms accepted on a Monday through Thursday between 11:30 a.m. CT and 8 p.m. CT, Spotloan will transfer the funds to their bank overnight. For loan terms accepted on a Friday after 11:30 a.m. CT through any time on Sunday, Spotloan will transfer their money over the weekend and it will be waiting at the bank on the next business day. We agree - that’s quick and easy!
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.
10. Juli 2025
Bewertung ohne vorherige Einladung
Antwort von Spotloan
Thank you for taking the time to leave a review for us. For customers that have successfully completed their previous loans, we offer a lower APR as early as their second loan with us, and we offer an even lower APR with their tenth loan. We do thank you for your loyalty and hope to have the opportunity to work with you again.
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.
10. Juli 2025
Bewertung ohne vorherige Einladung
Antwort von Spotloan
Thank you for taking the time to leave a review for us. Though we would like to help you, unfortunately, we are unable to locate your account. Please contact us at help@spotloan.com or (888) 681-6811 so that we can further assist you.
Do NOT do business with these crooks
Do NOT do business with these crooks! 490% interest rate is ludicrous (and illegal). I’d give them a below zero rating if it were possible! L
8. Juli 2025
Bewertung ohne vorherige Einladung
Antwort von Spotloan
Thank you for taking the time to leave a review. At Spotloan, we strive to provide a great loan product that helps customers with their emergency expenses. Further, we ensure that our interest rate and payment details are clearly listed on our homepage, on our website FAQ page, as well as on the loan agreement. This said we do encourage borrowers to pay off their loans as soon as possible to avoid accruing interest. In addition, we have no penalty for early repayment.
Antwort von Spotloan
Thank you for taking the time to leave such a great review. We pride ourselves on an easy application process. We’re pleased to see that you felt we met our goal! Thanks again.
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