The secure loan form requires information about your identity, employment and banking to confirm and protect your identity and facilitate the lending process. Once approved, you will be transferred to the lenders e-signature page to complete the loan and receive funds.


Your privacy is our number one priority. We use 256-bit encryption technology to safeguard your information collected on our secure form. Our technology infrastructure is monitored by Trend Micro.


Data transmitted from SpotLightLoans to lenders on the platform are secure and encrypted. We do not store SSN, Driving License, or Banking Information on our servers.


Have an issue with a fraudulent lender? Call the OLA Consumer Hotline at 1-866-299-7585 or send an email to and speak with a live operator who can assist you in reporting fraud and navigating the online lending landscape.



1Loan Information

Tell us about your loan requirement

2Employment and Banking Information

Lenders require this information to determine eligibility and deposit funds

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3Confirm Your Identity

This information is required for the loan approval

, is not a lender, loan broker or agent for any lender or loan broker. This website is not an offer of credit nor is it a solicitation to lend. We are not affiliated with any lender. We are an advertising referral service for lenders that may be able to offer loans in amounts between $100 and $5000. There is no fee to use our services. Your loan request submitted on this website will be shared with one or more lenders. There is no guarantee that you will be connected with a lender, your loan request will be approved by a lender, or you will be offered the loan amount requested. Lenders may perform a credit check to determine your creditworthiness or verify your information. We do not control and are not responsible for the actions of any lender. We do not have access to the full terms of your loan. For details, questions or concerns regarding your loan please contact your lender directly. Only your lender can provide you with information about your loan terms, their current rates and charges, renewal, payments and the implications for non-payment or skipped payments. The compensation we receive is paid by lenders and other advertising partners, and only for advertising services provided. If you are offered a loan, it may not necessarily have the best rates or terms. Short-term, small-dollar loans should not be used as a long-term solution to financial hardship. By submitting your information to us, you agree to allow participating lenders to verify your information and check your credit.

Some states have regulations limiting the Annual Percentage Rate (APR) that a lender can charge you. APRs for cash advance loans range from 200% to 1386%, APRs for installment loans range from 6.63% to 485%, and APRs for personal loans range from 4.99% to 450% and vary by lender. Loans from a state that does not enforces limits may have an even higher APR. The APR is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement. APR rates are subject to change.

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