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Alabama Payday Loan Cash Advance Fees, Rates & Interest

Spotya! Loan Fee Calculator

Use the fields below to calculate the fees and rates for your payday loan.

Total Loan Amount:

Spotya! is pleased to offer payday loans to residents of Alabama. We are diligent about our compliance with all federal and state regulations governing the payday loan industry. Your Spotya payday loan agreement will be governed by the laws applicable in your state. In accordance with the Federal Truth In Lending Act, please review this page for our full disclosure of loans fees and the corresponding Annual Percentage Rate (APR).

Maximum Loan Amount

  • $500.00

Maximum Fee Allowed By Alabama State Law

  • $17.50 per $100.00

Spotya Payday Loan Fee

  • $17.50 per $100.00(Please see APR above)

Our Loan Terms

Your Spotya! payday loan will be scheduled for repayment on your pay date within the next 11 to 30 days. We do not exceed 20 days loan periods unless you have a once per month pay cycle. Verified payroll direct deposit to your checking account is required for approval.

Extensions or “Roll Overs”

In accordance with Alabama state law and Spotya! company policy, you will have the option to extend your loan a maximum of 1 time. A loan extension requires that you pay the original loan fee and contract with us for a new loan term whereupon an additional fee will apply.

Governing Law Information

Alabama State Banking Department
P.O. Box 4600 Montgomery AL 36103
Ph: (334) 242-3452