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Mississippi 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 delighted to offer payday loans to the residents of Mississippi. Our 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 Mississippi. 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

  • $345.00

Maximum Fee Allowed By Mississippi State Law

  • $18.00 per $100.00

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 7 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 must be verified in order to approve your loan request.

Extensions or “Roll Overs”

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

Governing Law Information

Mississippi Department of Banking and Consumer Finance
901 Woolfolk Building, Suite A 501 N. West Street Jackson MS 39201
Ph: (601) 359-1031