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Low Cost Payday Loans
If you're in a cash crisis and need a short-term loan, you'll want to get your money at the lowest fees possible. So when you're looking for
a payday loan, you'll want to make sure there are no hidden fees and charges.
Spotya! provides short term payday loans with a very low fee—in fact, we charge one of the lowest payday loan fees in the country. There is no set-up fee written into the fine print, as you will often find with other payday loan companies. We disclose everything up front. If you research the various online payday loan companies, you'll see how favorably Spotya compares to the others.
Our Low Fee Payday Loan is Easy
When you take out a payday loan, the loan amount plus our low cost is automatically deducted from your bank account after your next paycheck is deposited. You pay back your loan on your next payday. A payday loan can actually save you money when it's paid back by your payday. When you use our service properly, you'll avoid those costly returned check fees, power reconnection costs, and late fees on your credit card statement. A loan from Spotya! Cash is the way to go.
How we do our low cost payday loan
Spotya! Cash complies with the Truth in Lending Act (TILA) of 1968, a U.S. federal law designed to protect consumers in credit transactions by requiring clear disclosure key terms of the lending arrangement and all costs. All credit terms are outlined in simple easy-to-read language. The Truth-in-Lending Act defines "finance charge" as all fees paid either directly or indirectly by the person to whom the credit is extended.
All lenders are required to disclose up front the entire amount the loan will cost the borrower. With a loan that is paid back by your next payday, you'll see that the interest rate is higher than with a secured loan. A payday loan must be paid back in a shorter time period; you have until the following payday. If a loan is "rolled over," that involves an additional fee and the payday lender is responsible to disclose this fee to you.
Why Choose Our Low cost Payday Loan?
A Low cost is one reason you'll want to choose Spotya! Cash when you need a quick and easy loan. Spotya! Cash has minimized the amount your loan will cost you, to make it easy to repay your loan and keep your creditors at bay. A low fee Spotya! Cash loan will just take a few steps on your part. We'll confirm the information you give us, and your low cost payday loan will be ready in little time. You'll make that money stretch until your next payday.
As you compare payday lender online, you'll want to keep in mind that those with a low cost or low APR rate are the most cost-effective. Do a little research for yourself and see which loan companies have low fee loans and which have extra set-up fees or other fees. Compare interest rates and make sure there are no hidden fees or fees that weren't disclosed up front. With Spotya!, you don't have to worry. We'll tide you over until your next payday with a loan you can afford.
You'll find that Spotya! is easy and cheap—we hide nothing and our loan application is simple to fill out. It makes sense to get your low fee loan with Spotya!. If you have urgent bills to pay, don't wait until your payday. Pay those bills and get your finances under control this very day!