California 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.
Spotya! is overjoyed to provide payday loans to state residents of California. Our compliance with all federal and state regulations governing the payday loan industry is important to us. Your Spotya payday loan agreement will be governed by the laws applicable in the state of California. 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
Maximum Fee Allowed By California State Law
- $17.65 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 7 to 30 days. We do not exceed 20 days loan periods unless you have a once per month pay cycle. We require verifiable payroll direct deposit to your checking account for approval.
Extensions or “Roll Overs”
In accordance with California state law and Spotya! company policy, we do not allow loan extensions for California customers. Your total loan balance must be paid in full on your scheduled due date.
Governing Law Information
- The Federal Truth In Lending Act
- Payday Loan Consumer Information
- California State Regulating Agency
California Department of Corporations
Financial Services Division
1515 K Street, Suite 200 Sacramento CA 95814
Ph: (866) 275-2677