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North Dakota 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 provide our payday loan services to North Dakota state residents. We value our compliance with all federal and state laws governing the payday loan industry. Your Spotya payday loan agreement will be governed by the laws applicable in North Dakota. 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

Maximum Fee Allowed By North Dakota State Law

  • $20.00 per $100.00

Spotya Payday Loan Fee

  • $20.00 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 are only paid once per month. Verifiable payroll direct deposit to your checking account is required in order to approve your loan request.

Extensions or “Roll Overs”

In accordance with North Dakota state law, you will have the option to extend your loan a maximum of 1 time before full payment is required. If you extend your loan, your extension will be due on your next payday that falls between 15 to 30 days away. A loan extension requires that you pay the original loan fee and contract with us for a new loan term whereupon an additional fee will apply.

Governing Law Information

North Dakota Department of Financial Institutions
2000 Schafer Street, Suite G Bismarck ND 58501
Ph: (701) 328-9933