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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! is the first step to getting short term payday loans with the most competitive fees and interest rates—in fact, we work with direct lenders who offer some of the most competitive payday loan fees in the country. When you apply through Spotya! there are no set-up fees written into the fine print, as you will often find with other payday loan companies. We will disclose everything about your loan up front. If you research the various online payday loan companies, you find that rates, fees, term and conditions will vary greatly. We partner with Payday Loan Pros, a direct lender, to bring you short-term loans that suit your financial needs.

Low Fee Payday Loan is Easy

When you take out a payday loan, the loan amount plus fees 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 a short-term properly, you’ll avoid those costly returned check fees, power re-connection costs, and late fees on your credit card statement. A loan that starts with Spotya 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 to go through Spotya! when you need a quick and easy loan.  Applying for a low fee Spotya! Cash loan takes just a few minutes. Once you fill out our short online form, 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 lenders 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!, we won’t hide anything from you. We are up front with all of your payday loan terms and conditions.

It makes sense to let Spotya! be your low fee loan servicing company. If you have urgent bills to pay, don’t wait until your payday. Pay those bills and get your finances under control today!