Spotloan (www.spotloan.com) has a 4.6 out of 5 rating on OK.one, based on 203 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. Praise is nearly unanimous, with 90% rating it 4 stars or higher; The business has replied to 100% of negative reviews. Last updated 2026-08-10.
What people say
M
Mario Terry · 3 reviews · Verified · Experienced 2026-07-21 ·
★★★★★
Y’all have always been here when I…
Y’all have always been here when I needed y’all to. In its a fast and easy process to get the money.
Reply from Spotloan2026-07-28
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!
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!
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!
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!
Ease of process, straight forward on payments and rates.
Reply from Spotloan2026-07-28
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!
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!
K
Keith Jones · 1 review · Verified · Experienced 2026-07-21 ·
★★★★★
Good and easy application process.
Reply from Spotloan2026-07-28
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!
When I need a spot loan I don't have any problems getting the loan all I can say is they have good customer service support and will always be there for you if you need a loan or having problems paying your loan bill on time I would recommend it to my friends or family.
Reply from Spotloan2026-07-28
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!
R
Rose · 3 reviews · Verified · Experienced 2026-07-20 ·
★★★★★
It’s worth it… trust me!
I’ve used Spotloan when times are tough and I needed the money. It’s fast, it’s easy and overall the repayment process isn’t costing me an arm and a leg. Thank you Spotloan for always helping!
Reply from Spotloan2026-07-28
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!
I gave spot loan a five-star because they were there for me when I really needed the funds to take care of an emergency situation. I will always use spot loan when needed.
Reply from Spotloan2026-07-28
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!
Spotloan increased my loan amount request and I was grateful for the offer! I declined but will definitely consider it next time. Thanks for your flexibility options and working my lending options.
Reply from Spotloan2026-07-28
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!
Fast and easy funding. I appreciate the lower APR!
Reply from Spotloan2026-07-28
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!
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!
I have been with Spot loan for years now, over time my interest rate has gone down. I was truly grateful for that. I thankful for the ease of the application. If there was anything I would change it would be that they offer refinancing. Still grateful for you help
Reply from Spotloan2026-07-28
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!
Your interest rate is way too high. I appreciated being able to get money quickly but it's not fair to charge people who are poor and desperate so much interest. I am not a deadbeat or drug addict. I am a 76 year old single mother to a handicapped son and I work two jobs to make ends meet and sometimes that is not enough. It's helpful to know that I can get extra money when I need it quickly but it should be against the law to charge so much interest just because someone is poor and desperate. Thanks
Reply from Spotloan2026-07-28
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.
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!
Spotloan was there when I needed a little extra cash. The service is great and no major issues. Thank you Spotloan!!
Reply from Spotloan2026-07-24
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!
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!
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!
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 [email protected] (mailto:[email protected]) or (888) 681-6811 so that we can further assist you.