Bad Credit

A credit score report up on a phone app, on top of a credit application.

August 22, 2023

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Top 5 Credit Score Myths Debunked

Discover the truth about credit scores and how to boost yours by debunking common myths.

a credit report pulled up on a laptop and a tablet

September 22, 2023

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How to Read Your Credit Report

Learn how to read your credit report, spot errors, and manage your financial well-being.

September 14, 2023

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Should Paying Down Credit Card Debt Be A Priority?

Learn debt repayment strategies like Debt Snowball and Debt Avalanche to take control of debt.

a sign in front of a house that reads “Avoid Foreclosure

September 18, 2023

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How to Avoid Foreclosure: Tips and Guidance

Learn strategies to avoid foreclosure and navigate options to keep your home.

February 22, 2018

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Loans for people with "bad credit"

Spotloan can usually offer loans to people with bad credit. Find out how Spotloan can help.

May 4, 2020

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How Long Does Bankruptcy Stay on Your Credit Report?

If you can catch it early enough, bankruptcy can often be avoided.

June 1, 2021

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A Low Credit Score Doesn’t Have to Mean You’re Out of Options

A Low Credit Score Doesn't Have to Mean You're Out of Options.

888-681-6811

help@spotloan.com

Spotloan, PO Box 720, Belcourt, ND 58316

Spotloans are designed to help you deal with emergencies such as rent, medical bills, car repairs, and expenses related to your job. Spotloans are not intended to solve longer-term credit or other financial needs, and alternative forms of credit may be better for you, including borrowing from a friend or relative, using a credit card cash advance, taking out a personal loan, or using a home equity loan or savings. Contact our customer service team by email at help@spotloan.com or by phone at 888-681-6811 to discuss if a Spotloan is right for you.

Spotloan is a brand owned by Ningo Lending LLC ("Ningo"), a tribal limited liability company formed under the laws of and wholly owned by the Turtle Mountain Band of Chippewa Indians of North Dakota, a federally recognized Indian tribe (the “Tribe”). Ningo is located on, operates within, and originates and services loans from the Tribe’s reservation. 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.