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... Toon meer
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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... Toon meer
Bedrijf heeft geantwoord
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... Toon meer
Bedrijf heeft geantwoord
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... Toon meer
Bedrijf heeft geantwoord
Bedrijfsgegevens
Geschreven door het bedrijf
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.
Contactgegevens
P.O. Box 720, 58316, Belcourt, Verenigde Staten
- (888) 681-6811
- help@spotloan.com
- www.spotloan.com
4,2
Goed
29K reviews
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Well I guess I am late to the party of…
Well I guess I am late to the party of these payments being outrageous over 400% I've paid. My lawyer has notified me if in california law states that loan agencies with proper credentials (like a license) will only charge a maximum fee of $45.00 i paid $1100.00 est. On a $300.00 loan. So, do not try and scam anymore money from me or try and take from my thru any other means, I believe you have been paid. DO NOT GET A LOAN FROM HERE... THEY HAD A CASE TO PAY INDIVIDUALS AND WISH I COULD HAVE LEARNT THAT WHEN THINKING PEOPLE HELP PEOPLE STILL. yeah right. My lawyer is on call do not contact me again and remove me from your thresholds. I no longer owe any monies to you or you affiliates.
20 april 2026
Review zonder uitnodiging
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They will lie to you and say you can…
They will lie to you and say you can get another loan once you pay off the but they will not
24 maart 2026
Review zonder uitnodiging
Antwoord van Spotloan
Thank you for taking the time to leave a Spotloan review. We're sorry to hear you are not satisfied with Spotloan because we did not approve you for a loan. Please review your denial notice for specific details as to why you were not approved for a loan. If you have additional questions, please contact us at help@spotloan.com (mailto:help@spotloan.com) or (888) 681-6811 so that we can further assist you.
Worst loan provider 😡😡😡
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 like a small, simple loan turns into a huge, expensive balance once all their charges start adding up.
The repayment plan feels designed to keep you paying way more than you expected. Even when you try to pay it off early, the total cost is still outrageous.
Nothing about this loan feels fair or transparent.
10 april 2026
Review zonder uitnodiging
Antwoord van Spotloan
Thank you for taking the time to leave a Spotloan review. We're sorry to hear you are not satisfied with Spotloan as we value our customer's experiences. At Spotloan, we strive to provide a great loan product that helps consumers with their emergency expenses. We take pride in being transparent about our loan products. Our rates and payment options are clearly listed on our website, loan application, and loan documents. We have no hidden fees and no prepayment penalties and encourage customers to pay off their loan as early as possible to reduce the total cost of the loan.
Very slow to help customer's
Hi,
I put in the wrong account number by mistake and they said we have to wait till Spotloan get the money back. So I can't pay bill and will be in bad financial situation.
3 april 2026
Review zonder uitnodiging
Antwoord van Spotloan
Thank you for taking the time to leave a review. We're sorry to hear that your bank account information was incorrect. Unfortunately, we are limited to the information that is provided by the applicant during the application process. If there is anything further we can do to assist you, please be sure to reach out to help@spotloan.com or 1-888-681-6811.
If negative stars were an option I…
If negative stars were an option I would have selected that. $600 loan with 21 payments of $116= $2436. That’s disgusting and should be a crime. Spotloan doesn’t offer help. They take a bad situation and make it worse…..absolutely deplorable.
6 april 2026
Review zonder uitnodiging
Antwoord van Spotloan
Thank you for taking the time to leave a Spotloan review. We're sorry to hear you are not satisfied with Spotloan as we value our customer's experiences. At Spotloan, we strive to provide a great loan product that helps consumers with their emergency expenses. We take pride in being transparent about our loan products. Our rates and payment options are clearly listed on our website, loan application, and loan documents. We have no hidden fees and no prepayment penalties and encourage customers to pay off their loan as early as possible to reduce the total cost of the loan.
Disgusting and the drama continues with…
Disgusting and the drama continues with this company they claim they say any credit ok then THEY LIE TO PEOPLE out there oh really this is a bad bad company they send post paid card in my mailbox duh junk and thier lies I dont play that I applied they go deny applicants they dont accept retired people and thier credit scores spotloan needs to be gone put out of business
25 maart 2026
Review zonder uitnodiging
Antwoord van Spotloan
Thank you for taking the time to leave a Spotloan review. We're sorry to hear you are not satisfied with Spotloan because we did not approve you for a loan. Please review your denial notice for specific details as to why you were not approved for a loan. If you have additional questions, please contact us at help@spotloan.com (mailto:help@spotloan.com) or (888) 681-6811 so that we can further assist you.
have done several loans with you
have done several loans with you, paid all off...application process gets harder and harder..license pics, back and front, codes to phone, pics from phone, what else you need besides the 400% interest! oh...some of my blood!!..next time, i will stick with plain green loans!!...
22 maart 2026
Review zonder uitnodiging
Antwoord van Spotloan
Thank you for being a repeat customer. We're sorry to hear you are finding our loan application process more burdensome for you. We tried to locate your account but we do not have enough information. We would like to provide you more information regarding your specific loan applications but will need you to contact us to provide more customer information.
Our Customer Email Support Service hours of operation are Monday - Friday from 7:00 am CT - 4:30 pm CT. For immediate service, please feel free to call us at 1-888-681-6811, Monday - Friday 7:00 am - 8:00 pm CT or Saturdays 9:00 am - 6:00 pm CT.
Where's My Final Receipt
Where's my payoff receipt? I have check my email and my bank statement and I don't see it. I will upgrade my experience when I have received my final payoff statement.
3 maart 2026
Review zonder uitnodiging
Antwoord van Spotloan
Thank you for the review. Unfortunately, we are unable to locate your account. Please contact us so that we may further assist you.
Our Customer Email Support Service hours of operation are Monday - Friday from 7:00 am CT - 4:30 pm CT. For immediate service, please feel free to call us at 1-888-681-6811, Monday - Friday 7:00 am - 8:00 pm CT or Saturdays 9:00 am - 6:00 pm CT.
Very disappointed with this loan spot
⭐ 1-Star Review for Spotloan
Spotloan is one of the most expensive lenders I’ve ever dealt with, and I strongly regret using their service. The interest rates and fees are unbelievably high — way higher than traditional lenders or even most online loan companies. What looks like a small loan ends up costing hundreds more once their fees stack up.
They advertise “helpful” short-term loans, but the reality is that the repayment structure feels designed to keep you paying as long as possible. Even paying the loan off early barely makes a dent in the outrageous total cost.
Customer service is polite, but that doesn’t change the fact that the product itself is predatory. If you’re considering Spotloan, do yourself a favor and look for literally any other option first — credit unions, local banks, or even a paycheck advance from your employer will cost you far less in the long run.
I would not recommend Spotloan to anyone who wants fair rates or transparent, reasonable fees.
--
30 december 2025
Review zonder uitnodiging
Antwoord van Spotloan
Thank you for taking the time to leave a Spotloan review. We're sorry to hear you are not satisfied with Spotloan as we value our customer's experiences. At Spotloan, we strive to provide a great loan product that helps consumers with their emergency expenses. We take pride in being transparent about our loan products. Our rates and payment options are clearly listed on our website, loan application, and loan documents. We have no hidden fees and no prepayment penalties and encourage customers to pay off their loan as early as possible to reduce the total cost of the loan.
Amazing Loan Company
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 most and when you pay them off completely, they give you a chance to take out another loan from them. When other company's says no Spotloan says yes 100%
13 maart 2026
Review zonder uitnodiging
Antwoord van Spotloan
Thanks so much for your positive review of Spotloan. We value our customers and take pride in being transparent about our loan products. We try to make sure our customers have positive experiences and ensure our customers can enjoy an easy loan experience. We really appreciate knowing that our efforts have been successful!
The application is fast and deposit is…
The application is fast and deposit is fast.
But the interest rate is way to high.My dad borrowed $600 and had to pay back $1,200.He is up in age and didn't read it carefully.But I look over it and I couldn't believe how high the Interest was.My dad won't be doing another loan.I just advise to make sure to read it carefully.
I never seen a interest rate so high on a loan.
5 maart 2026
Review zonder uitnodiging
Antwoord van Spotloan
Thank you for taking the time to leave a Spotloan review. We're sorry to hear you are not satisfied with Spotloan as we value our customer's experiences. At Spotloan, we strive to provide a great loan product that helps consumers with their emergency expenses. We take pride in being transparent about our loan products. Our rates and payment options are clearly listed on our website, loan application, and loan documents. We have no hidden fees and no prepayment penalties and encourage customers to pay off their loan as early as possible to reduce the total cost of the loan.
I took out a loan and specified that I…
I took out a loan and specified that I was only paid once a month and that I only wanted to pay once month. After I signed it sent me my payback info for twice a month and now they will not change it. Extremely corrupt practices with insanely high interest rates and are able to charge more service fees by doing twice a .month payments. I will be blocking them at my bank and paying them once a month by phone. Highly recommend that you find a different lender.
1 maart 2026
Review zonder uitnodiging
Antwoord van Spotloan
Thank you for taking the time to leave a Spotloan review. We're sorry to hear you are not satisfied with Spotloan as we value our customers' experiences. We are more than happy to work with you and adjust your loan payment dates. Please contact us at help@spotloan.com (mailto:help@spotloan.com) or (888) 681-6811 so that we can further assist you.
Last year I took a loan with spotloan…
Last year I took a loan with spotloan company and I paid it off on time according to the policy, I’ve been trying to get a loan after that and I keep being denied, I think they should prioritize their good customers and give them more approvals and lower their interest.
26 februari 2026
Review zonder uitnodiging
Antwoord van Spotloan
Thank you for taking the time to leave a Spotloan review. We're sorry to hear you are not satisfied with Spotloan because we did not approve you for a loan. Please review your denial notice for specific details as to why you were not approved for a loan. If you have additional questions, please contact us at help@spotloan.com (mailto:help@spotloan.com) or (888) 681-6811 so that we can further assist you.
490% interest
490% interest. That is just wrong and not ok to rip people off already in debt.
17 februari 2026
Review zonder uitnodiging
Antwoord van Spotloan
Thank you for taking the time to leave a Spotloan review. We're sorry to hear you are not satisfied with Spotloan as we value our customer's experiences. At Spotloan, we strive to provide a great loan product that helps consumers with their emergency expenses. We take pride in being transparent about our loan products. Our rates and payment options are clearly listed on our website, loan application, and loan documents. We have no hidden fees and no prepayment penalties and encourage customers to pay off their loan as early as possible to reduce the total cost of the loan.
If we have so much like the interest…
If we have so much like the interest you charge. What will be the essence of us applying for loan? Ridiculous interest
3 februari 2026
Review zonder uitnodiging
Antwoord van Spotloan
Thank you for taking the time to leave a Spotloan review. We're sorry to hear you are not satisfied with Spotloan as we value our customer's experiences. At Spotloan, we strive to provide a great loan product that helps consumers with their emergency expenses. We take pride in being transparent about our loan products. Our rates and payment options are clearly listed on our website, loan application, and loan documents. We have no hidden fees and no prepayment penalties and encourage customers to pay off their loan as early as possible to reduce the total cost of the loan.
I APPLIED FOR A LOAN WHICH I SHOULD…
I APPLIED FOR A LOAN WHICH I SHOULD HAVE GOTTEN BUT THEY CAME UP WITH CREDIT REPORTING AGENCIES THAT I NEVER HEARD OF OR GAVE EXPLICIT PERMISSION TO GIVE MY INFORMATION OUT.
I SAY THIS IS A SCHEME BETWEEN THE 3 COMPANIES AND THEM THEY USE TO SELL PEOPLE'S INFORMATION AND DISCRIMINATE AGAINST THEM
25 januari 2026
Review zonder uitnodiging
Antwoord van Spotloan
Thank you for your consideration. Please go to your email to review your Adverse Action Notice for more information.
Daily interest is ridiculous and too…
Daily interest is ridiculous and too high.
31 december 2025
Review zonder uitnodiging
Antwoord van 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.
Ahi mejores opciones ae arrepentirán de pedir aqui
Es fácil que te den el dinero. Pero para cobrar , uff , yo aunque liquide , me siguieron cobrando
1 januari 2026
Review zonder uitnodiging
Antwoord van 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.
Your fees unbelievable 300.00 loan almost 1500 back that's crazy
How about better fees these are crazy
29 december 2025
Review zonder uitnodiging
Antwoord van Spotloan
Thanks so much for your review, though we’re sorry if we didn’t create the experience that you would have expected. That said, for our customers who have successfully completed their previous loans, we're pleased to be able to offer a lower APR as early as their second loan, and an even lower APR with their tenth loan. If we can do anything to make it better, please contact us at help@spotloan.com or (888) 681-6811. We’re happy to help!
The company is good about giving you a…
The company is good about giving you a loan but the pay back is terrible, for a 800. Dollar loan I will pay them back 4 x the amount. I tried to get them to hold off on a payment I was told I would pay 10 dollars a day , I am paying 159.00 dollars 2 - 3 times a month. This is like predatory lending. Terrible they need to be stopped
30 september 2025
Review zonder uitnodiging
Antwoord van 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.
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