Lender · complaint record
Spotloan complaints
Filed under Ningo Lending LLC dba Spotloan
Consumers have filed 987 complaints about Spotloan since 2013, 152 of them in the last 12 months (+25% on the year before). It answered 100% on time and closed 0% with relief for the customer - less often than a typical lender. The most common problem is charged fees or interest you didn't expect. It is the 19th most complained-about of 272 personal & payday lenders this year.
Average response record. How it works
- Complaints on record
- 987
- Last 12 months
- 152
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 15
- Rank
- #19 of 272
Since October 2013
+25% vs the year before
Industry: 94.7%
Typical lender: 6%
Newest: Nov 5, 2026
Most complained-about personal & payday lenders
Spotloan complaints by month
The busiest month was July 2025 (21 complaints). Complaints in the last 12 months are up 25% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Spotloan answered last 12 months
- Closed with explanation152100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers0/400% closed with relief
- Complaint trend8/15+25% vs last year
What Spotloan complaints are about
Top Spotloan problems last 12 months
Where Spotloan complaints come from
Most complaints: California (136), Florida (89), New Jersey (70), Georgia (67), Washington (61).
Spotloan compared with other personal & payday lenders
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Healthcare Finance DirectPayday & personal loans | 58 | 171 | C |
| 2 | Skopos FinancialPayday & personal loans | 9 | 170 | F |
| 3 | Snap USPayday & personal loans | 10 | 167 | F |
| 4 | Wolf River DevelopmentPayday & personal loans | 50 | 164 | C |
| 5 | SpotloanPayday & personal loans | 53 | 152 | C |
| 6 | PatientFiPayday & personal loans | 67 | 143 | B |
| 7 | Advance America, Cash Advance CentersPayday & personal loans | 11 | 136 | F |
| 8 | CreditNinja LendingPayday & personal loans | 61 | 135 | C |
Compare side by side: Spotloan vs Healthcare Finance Direct · Spotloan vs Skopos Financial · Spotloan vs Snap US · Spotloan vs Wolf River Development
What people say about Spotloan
All experiencesNo experiences with Spotloan yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Spotloan complaints
Full logQuestions about Spotloan
How many complaints does Spotloan have?
Spotloan has 987 complaints on record since October 2013, including 152 in the last 12 months and 15 in the last 30 days. That makes it number 378 of every company by complaints this year.
Does Spotloan respond to complaints?
Yes. Spotloan answered 100% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 53/100 (grade C).
What do people complain about most with Spotloan?
The most common problems are charged fees or interest you didn't expect (256), struggling to pay your loan (154), problem with the payoff process at the end of the loan (39).
Is Spotloan legit?
Spotloan is a real company with a public complaint record: consumers have complained about it 987 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Spotloan legit? for the signals, red flags and how to protect yourself.
Are complaints about Spotloan going up or down?
Up. There were 152 complaints in the last 12 months against 122 in the 12 before (+25%). See every month.
How do I file a complaint against Spotloan?
Complain to Spotloan in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Spotloan complaints come from?
Most come from California (136), Florida (89), New Jersey (70). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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