How do I contact Spotloan?
That’s easy! Send an email to help@spotloan.com or call 888-681-6811. Our hours of operation are: Monday - Friday 7 a.m. - 8 p.m. CT and Saturday 9 a.m. - 6 p.m. CT.
How do I make an identity theft records request?
At Spotloan, we take identity theft very seriously. If you believe an unauthorized person has submitted a Spotloan application or received a loan using your personal information, you have the right to request from us any business records that we maintain relating to transactions and accounts that resulted from the theft of your identity.
To request these records, please mail your request to:
Spotloan
P.O. Box 720
Belcourt, ND 58316.
With your request, please include:
- Proof of your identity, such as a copy of a government-issued identification card;
- A copy of the police report you filed regarding the identity theft; and
- A completed affidavit of identity theft similar in form to the one that can be created using the FTC's Identity Theft Report at www.IdentityTheft.gov
You may also authorize a law enforcement officer to make the request on your behalf.
Please note that if we are unable to verify the identity of the person asking for the information, if in our judgment the request for records appears to be based on a misrepresentation, or if you’re requesting Internet navigational data or similar website visit information, we will not be able to honor such requests, in accordance with the Fair Credit Reporting Act.
What happens if I make a late payment?
While we do not charge late fees, you may be subject to additional interest charges on the balance due and nonsufficient funds fees (if applicable). Late and unpaid amounts may be reported to credit reporting agencies. Failure to pay your loan may also result in your account being transferred to a collection agency.
If you find yourself unable to make your upcoming loan payment, be sure to contact us two days before your payment due date to discuss payment options.
What happens if my funds don't go to the right bank account?
We deposit your funds using the bank account information you provided us during the application process. When you make us aware that funds have not been received, it takes five to seven business days for a bank to return the funds to Spotloan so we can deposit the funds into the correct account.