Credit Authorization

Spotloan Plus is not a lender or a broker. Spotloan Plus is a free service that matches you with available loan options offered by our tribal lending affiliates. The actual loan terms and APR you qualify for will vary based on your credit score(s) and individual lender requirements and underwriting criteria.

Spotloan Plus 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 and operates within the Tribe’s reservation. Though Spotloan Plus is available to residents of certain states, consumers should know that loan options presented from our tribal lending affiliates and interest rates may be higher than state-licensed lenders. Although the visitation to this site is electronic, consumers are coming on to the Tribe’s reservation and subject to the Tribe’s jurisdiction to request loan options through Spotloan Plus.

By completing a Spotloan Plus Loan Request form, you are agreeing to allow us to share your information with our available lenders, the Tribe’s lending entities which are Spotloan Plus affiliates, to determine your eligibility for a personal, short-term, installment loan. If you are eligible for a loan from one of the Tribe’s lending entities, you should read and understand the terms of any loan offered, and should reject any loan offer that you cannot afford to repay or that includes terms that are not acceptable to you. Spotloan Plus is not a loan marketplace for all available lenders and does not provide all loan offers that may be available to you. The loan options offered by our tribal lending affiliates are expensive forms of credit and are not intended to solve longer-term credit or other financial needs. We encourage you to research other available loan options to find the best loan for your situation.

The Loan Request form will allow us to determine if you are a highly qualified consumer eligible for a pre-approved loan of $300.00 or more, with a maximum APR of 34.9%, to be repaid in no less than ninety (90) days. If you do not qualify for these terms you may be eligible for a loan at a higher APR with term lengths between three (3) and ten (10) months. Highly qualified personal loan example: Loan amount: $800.00, Fee: 0%, APR: 34.9%, Term: 10 months, Bi-Weekly Payment: $43.91, Total of Payments: $922.11. An APR of 34.9% is only available to highly qualified consumers. Not all consumers will qualify. Actual loan terms and APR may vary based on creditworthiness, income verification, and underwriting approval. Not all consumers will be matched with a lender or be presented with loan options.

Spotloan Plus does not perform credit checks. However, we do obtain your consent through the Loan Request form for our tribal lending affiliates to perform a credit check so that they can assess your eligibility for credit, verify your identity, and identify products or services you may prequalify for. Credit checks are usually performed by alternative credit bureaus such as Clarity, DataX, or others, but may include one of the major credit bureaus such as Experian, Equifax and TransUnion. You also authorize Spotloan Plus and the owner of this website to share your information with its tribal lending affiliates. If you do not consent to the sharing of your information or do not want to provide your authorization for a credit check, you should not complete the Loan Request form or use this website. For more information on how we share your information, please see our privacy policy.