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Illinois Payday Loan Cash Advance Fees, Rates & Interest

Spotya! is happy to provide our payday loan services to Illinois state residents. Compliance with all federal and state laws governing the payday loan industry is a priority at Spotya! Your Spotya payday loan agreement will be governed by the laws applicable in Illinois. 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

  • $1,000.00

Maximum Fee Allowed By Illinois State Law

  • $15.50 per $100.00

Spotya Payday Loan Fee

  • $15.50 per $100.00
  • (Please see APR information above)

Our Loan Terms

Your Spotya! payday loan will be scheduled for repayment on your pay date within the next 14 to 30 days. We do not exceed 20 days loan periods unless you are only paid once per month. Payroll direct deposit to your checking account must be verified for final approval.

Current Pay Stub Required

Due to Illinois state law, all Spotya! payday loan customers in the state of Illinois must have a pay stub on file. Existing customers must have a pay stub on file dated within one year. If you do not already have a current pay stub on file with us, please fax or e-mail us your most recent pay stub to ensure that your loan can be processed as soon as possible. For other income sources, such as Social Security or disability, a current bank statement is required for verification. Documents can be sent via email to [email protected] or via fax to (877)776-8921 – 24 hours a day, 7 days a week. Once the required documentation is received, your loan will be promptly processed.

Extensions or “Roll Overs”

In accordance with state law, we do not allow loan extensions for customers residing in Illinois. Payment in full will be required on your scheduled due date.

Illinois Disclosure and Additional Information

Spotya customers in Illinois should be advised that this loan is governed by the Department of Financial & Professional Regulation. This is a short term loan and should only be used for urgent, short term financial needs. Your Spotya! payday loan may cost more than other types of loans offered by various financial institutions and is not meant for your long term financial needs. Should you default on this loan, you cannot be prosecuted in criminal court for the purposes of collecting on the debt. For more information on Illinois payday loan laws, please read the Illinois Guide to Payday Loans.

If an Illinois customer has one or more outstanding loans after 35 days, a repayment plan is available under which you will have at least 55 days to repay the loan in installments without any additional interest or charges.

Governing Law Information

Illinois Division of Financial Institutions
Consumer Credit Section
320 W. Washington Springfield IL 62701
Ph: (888) 298-8089