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Iowa 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 happy to serve the state residents of Iowa. Compliance with all federal and state laws governing the payday loan industry is important to us. Your Spotya payday loan agreement will be governed by the laws applicable in Iowa. 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

Spotya Payday Loan Fee

  • $15.00 for the first $100.00 borrowed
  • $10.00 per $100.00 on subsequent $100.00 increments (Please see APR information above)

Our Loan Terms

Your Spotya! payday loan will be scheduled for repayment on your pay date within the next 15 to 30 days. We do not exceed 20 days loan periods unless you are only paid once per month. Verifiable payroll direct deposit to your checking account is required for approval.

Extensions or “Roll Overs”

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

Governing Law Information

Iowa Division of Banking
200 East Grand Avenue, Suite 300
Des Moines IA 50309
Ph: (515) 281-4014