Sky sources revealed earlier this week that Bolton were one of five clubs interested in the highly rated 23-year-old and the Trotters have won the race for his signature.
Boss Owen Coyle is a big admirer of Spearing and sees him as a key addition to his side as he looks to mount a bid for promotion back to the Premier League at the first attempt.
Liverpool are willing to let Spearing move on as the recent captures of Joe Allen and Nuri Sahin have pushed him down the pecking order at Anfield.
Reports suggested Spearing could leave on a permanent basis, but the 23-year-old has instead opted for a loan while he weighs up his future on Merseyside.
Bolton are hoping to tie up a deal in time for Spearing to make his debut against Hull City this weekend.
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