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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.

Fees:

APR:

Total Loan Amount:

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

$260.00

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

California Department of Corporations
Financial Services Division
1515 K Street, Suite 200 Sacramento CA 95814
Ph: (866) 275-2677

*THE OPERATOR OF THIS WEB SITE IS NOT A DIRECT LENDER. It does not broker loans to lenders and does not make short term cash loans or credit decisions. This Web Site does not constitute an offer or solicitation to lend. This site will submit the information you provide to a direct lender. Providing personal information on this Web Site does not guarantee that you will be approved for a short-term cash in advance loan. The operator of this Web Site is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product. Not all direct lenders can provide up to $1,000. Cash transfer times may vary between lenders and may also depend on your individual financial institution. In some circumstances, faxing may be required. This service is not available in all states, and the states serviced by this Web Site may change without notice. For details, questions or concerns regarding your short-term cash loan, please contact your lender directly. Payday loans online and/or cash advance loans are meant to provide you with short-term financing to solve immediate cash needs and should not be considered a long-term solution. Residents of some states may not be eligible for a payday loan online based upon lender requirements.

** Typically lenders will not perform credit checks with the three credit reporting bureaus: Experian, Equifax, or Trans Union. Credit checks or consumer reports through alternative providers may be obtained.

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