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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Spotloan's account


How to register an account on Spotloan

Go to Spotloan website and navigate to the login page to register an account online. Once on the login page click the blue text that reads "set up online access." You'll need the email address provided on your application, your date of birth, and the last four digits of your social security number. Keep handy your loan information, including your account number. Once you provide the requested information, Spotloan will find your loan information and link it to your online account.

How to reset a password on Spotloan

To reset your password navigate to the Spotloan login page. Once on the login password, click the blue text that reads "forgot password." You will be asked to provide:

  1. email address used on your application,
  2. date of birth,
  3. the last four digits of your social security number.

With that information, Spotloan will locate your loan information. Follow the guided directions to reset your password.

How to delete an account on Spotloan

To delete your online personal loan account, contact Spotloan support at or call +1(888)-681-6811.


How long does it take to get the verification email from Spotloan?

Spotloan will send you an email verification method as soon as you accept your loan terms. 

Financial products

Personal loan
Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™

Effective interest rate on the product

up to 490%

Loan term for the financial product

up to 10 months

Spotloan loans calculator

Spotloan calculator will allow you to calculate an approximate payment schedule for the loan

Spotloan calculator online
Interest rates are given in accordance with the rates of the Spotloan in Washington, D.C. as of 03.10.2022
Loan amount

Enter the desired loan amount

300 $
800 $
Loan term

Specify the loan term for the calculation


What to focus on before applying for a loan with Spotloan

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Spotloan and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All Spotloan’s reviews by October 2022
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