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

Maximum Fee Allowed By Montana State Law

  • $25.00 per $100.00

Spotya Payday Loan Fee

  • $19.00 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 7 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 state law, all Spotya! payday loan customers in the state of Montana 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 quickly 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 payday loan will be processed.

Extensions or “Roll Overs”

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

Montana Disclosure

Spotya customers in Montana should be aware that this loan is governed by the Montana Department of Administration Division of Banking and Financial Institutions. This is a short term loan and should be used for urgent, short term financial needs only. Your Spotya! payday loan may cost more than other types of loans provided by different financial institutions and is not meant to meet long term financial needs. For more information on Montana payday loan laws, please read Deferred Deposit Loans and Montana Consumers.

Governing Law Information

Montana Department of Administration
Division of Banking and Financial Institutions
301 South Park, Suite 316 P.O. Box 200546 Helena MT 59620
Ph: (406) 841-2920