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Kentucky 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 proud to serve the residents of Kentucky. We take our compliance with all federal and state laws governing the payday loan industry seriously. Your Spotya payday loan agreement will be governed by the laws applicable in Kentucky. 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 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 15 to 30 days. We do not exceed 20 days loan periods unless you have a once per month pay cycle. 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 Kentucky customers. Payment in full will be required on your scheduled due date.

Governing Law Information

Kentucky Office of Financial Institutions
1025 Capital Center Drive, Suite 200 Frankfort KY 40601
Ph: (800) 223-2579