Lender
Rating by Finanso®
i

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.

3.4
(20 Ratings)

Spotloan Account Review

Advertiser Disclosure

The Spotloan personal account offers a convenient and secure way to manage your loan online. Key features include easy online payments, detailed loan management, and the ability to update personal information. The account also provides strong security measures and direct access to customer support for any assistance needed. This streamlined platform ensures you can efficiently handle your financial obligations with Spotloan.

spotloan account

Key Features

  • Easy Online Payments. Manage and make payments on your loan directly through your personal account, ensuring convenience and timely transactions.

  • Loan Management. View your loan details, including balance, payment schedule, and history, all in one place for easy tracking and management.

  • Account Security. Benefit from secure login features and the ability to reset your password easily, ensuring your account information stays protected.

  • Personal Information Updates. Update your personal and financial information as needed, ensuring your account details are always current.

Step-by-step Registration

  1. Go To The Spotloan Website. Visit the Spotloan website to begin the account creation process.

  2. Access The Login Page. Click on the icon of a person in the top right corner of the homepage to go to the login page.

  3. Set Up Online Access. Click on the "Set up online access" link located below the login fields.

  4. Enter Required Information. Provide your email address, date of birth, and the last four digits of your Social Security Number (SSN) in the fields provided, then click "Submit".

  5. Create And Confirm Password. Create a password for your account, confirm it in the fields provided, and click "Submit".

  6. Provide Additional Information. Follow the prompts to enter additional personal and financial information, including your full name, address, phone number, and employment information.

  7. Review And Accept Terms. Carefully review the terms and conditions and privacy policy, then accept them.

  8. Complete Registration. Click the "Finish" button to complete your registration and create your Spotloan account.

How to Log In?

  1. Go To The Spotloan Website. Start by visiting the Spotloan website.

  2. Access The Login Page. Click on the icon of a person located in the top right corner of the homepage.

  3. Enter Your Email And Password. In the fields provided, enter the email address associated with your Spotloan account and your password.

  4. Click Sign In. Click on the "Sign In" button to access your account.

How to Activate My Account?

Spotloan accounts are typically activated automatically when you create your account and are approved for a loan. However, in some cases, you may be required to activate your account by following a link in an activation email that is sent to you.

How to Delete My Account?

To delete your Spotloan account, you will need to contact their customer support team by phone 1-888-681-6811 or email [email protected] and request to close your account. They will provide instructions on how to complete the account closure process. It's important to note that closing your Spotloan account will not affect your outstanding loan balance or any future loan applications. If you have an outstanding loan balance, you will still need to make payments until the loan is fully repaid.

How to Reset My Password?

  1. Go To The Spotloan Website. Visit the Spotloan website.

  2. Access The Login Page. Click on the icon of a person in the top right corner of the homepage.

  3. Click Forgot Password. Click on the "Forgot password" link.

  4. Enter Required Information. Provide the email address associated with your Spotloan account, your date of birth, and the last four digits of your Social Security Number (SSN). Click "Submit".

  5. Check Your Email. Spotloan will send an email to your registered email address with instructions on how to reset your password.

  6. Follow Instructions. Follow the instructions in the email to reset your password.

Editorial Opinion

The Spotloan personal account provides a user-friendly platform for managing loans, offering practical features such as easy online payments, comprehensive loan management, and secure access. Its design ensures that users can efficiently handle their financial responsibilities while maintaining up-to-date personal information. Although the high APR may be a drawback for some, the convenience and support offered by the personal account make it a valuable tool for borrowers seeking short-term financial solutions.

Additional Resources

FAQ

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. 

How do I contact Spotloan?

There are several ways to contact Spotloan:

  1. Phone. You can call Spotloan's customer support team at 1-888-681-6811, Monday through Friday from 7:00 am to 8:00 pm CT, Saturday from 9:00 am to 6:00 pm CT.
  2. Email. You can send an email to [email protected].
  3. Mail. You can send mail at Spotloan, P.O. Box 720, Belcourt, ND 58316.
  4. Online form. You can also contact Spotloan by filling out the online form on their website. To access the online form, go to the Spotloan website and click on the "Contact Us" link located at the bottom of the page.

Why can't I access my Spotloan account online?

If you're having trouble accessing your Spotloan account online, it could be due to a few reasons:

  1. Incorrect login information. Make sure you're entering your email address and password correctly. If you've forgotten your password, you can reset it by clicking on the "Forgot password" link on the login page.
  2. Internet connection issues. If you have a weak or unstable internet connection, you may have trouble accessing your account. Try refreshing the page or checking your internet connection.
  3. Account status. Your account may be suspended or closed due to issues with your loan or account. If you believe this is the case, you can contact Spotloan's customer support team via phone or email for assistance.
  4. Website issues. Spotloan's website may be experiencing technical difficulties or undergoing maintenance. Try accessing your account at a later time or contact their customer support team for assistance.
Offers
Rating by Finanso®
i

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.

3.43
(20 Ratings)
Recommended FinScore™
0
300
650
1000
300.00 – 1500.00 $
Rate
i

Interest rate

to 490.00 %
Term
i

Loan term for the financial product

to 10 months
Apply
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Rating by Finanso®
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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™
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2000.00 – 100000.00 $
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Rating by Finanso®
i

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™
0
300
650
1000
100.00 – 4000.00 $
Rating by Finanso®
i

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.

3.93
(20 Ratings)
Recommended FinScore™
0
300
650
1000
450.00 – 12000.00 $
Rate
i

Interest rate

27.50 – 81.29 %
Term
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Loan term for the financial product

6 months – 3 years
Apply
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Spotloan reviews 2025
Leave feedback
4.4
Pros
The cost of my loan was quite high, however, you were there for me in my time of need. I am immensely grateful for the assistance provided when I needed it most! I cannot express my thanks enough.
Complain
2.2
Cons
Spotloan imposes exorbitantly high interest rates on loans, along with hefty charges for early payoffs. They don’t honor the quoted payoff amount on the specified date, instead providing a payoff date 4 or 5 days later. This setup forces you to pay according to their schedule, not yours.
Complain
1.8
Cons
They exploit the desperate and impoverished, embodying the essence of a predatory lender. For a $600 loan, they demanded 21 bi-weekly payments of $116. Their practices are reprehensible and they should be driven out of town!
Complain
4.4
Pros
I've never encountered issues when borrowing money, and the option to call in advance for a payment extension is always available if needed.
Complain
1.8
Cons
If you miss a payment, they deactivate your login, forcing you to call them during their business hours to make a payment. The sole purpose of the login is to facilitate payment. This approach seems quite dubious and blatantly unscrupulous.
Complain
4.4
Pros
My experience with Spotloan has been delightful. The representatives I interacted with were incredibly helpful and friendly, making me feel valued. They genuinely cared about me as a customer.
Complain
4.6
Pros
Spotloan has been excellent in assisting me with my financial challenges.
Complain
2.2
Cons
I took out a $300 loan only to find out they expect $1348.80 in repayment. The full details were not disclosed until the process was complete. When I called to cancel, I was told the information wasn't yet in the system and was advised to call back the next day. Upon calling back, I was informed it was too late to cancel. With a staggering 420% interest rate, this doesn’t seem legal.
Complain
2
Cons
They collect all your banking and personal details as though you're going to receive the loan, only to decline you afterward. This company appears to be quite dubious and lacks transparency.
Complain
2.4
Cons
Denying customers access to their online accounts is not an effective method for ensuring repayment or helping customers get back on track. This is the only loan company I've encountered that employs such a tactic, making it exceedingly difficult to make payments. Given my graveyard shift work schedule, phoning them wasn't a feasible alternative. I would rate this company with zero stars if I could.
Complain
Company rating
3.4
/ 5
20 reviews
Application
3.3
Support service
3.6
Mobile App
3.7
Service quality
3.4
Your satisfaction level
3.4
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