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Florida 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 provide payday loans to residents in the state of Florida. 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 Florida. 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

  • $300.00

Spotya Payday Loan Fee

  • $10.00 per $100.00 (Please see APR above)
  • Spotya! does NOT charge you the additional $5.00 verification fee allowed by law.

Our Loan Terms

Your Spotya! payday loan will be scheduled for repayment on your pay date within the next 8 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 state law, we do not allow loan extensions for customers residing in Florida. Full payment will be required on your scheduled due date.

Governing Law Information

Florida Office of Financial Regulation
Division of Securities and Finance
200 E. Gaines Street Tallahassee FL 32399
Ph: (850) 410-9805