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Our service for connecting you to a payday lender is 100% free. We do our very best to match you with a payday lender. Spotya!, is NOT a payday lender or cash advance service provider. It’s our goal to gather your information for the purpose of finding you a lender that will meet your needs in a matter of minutes.
The terms of your loan is decided by YOUR lender and not by Spotya!. Your Lender will provide you with exact rates, fees, and APR (annual percentage rates). Each state’s regulations vary in rates, APR, and terms.
If your are matched with a lender and your loan is approved. Your lender will provide you with documentation of all interest and fees you will incur, as required by the Truth in Lending Act. Once you agree to the terms you will be sent to an e-signature page for your final approval. Your loan is then processed and funded.

How Rates, Fees and Interest are Calculated

Your lender charges a fee. For example; say your lender’s fee is $20 dollars per $100 borrowed. If you borrow $300 dollar your fee is $60. Depending on how many days your loan is outstanding will determine your APR (annual percentage rate). Your APR can range from 300% percent to over 1300% percent based on the fee and the number of days your loan is outstanding.

Rates and Fees Differ From State to State

In most cases, your fees will range from ten ($10) dollars to ($25) dollars per hundred borrowed depending on the state your borrowing in. In most cases, your loan will be debited from your next pay date. If your next pay date is less than seven (7) days out, some lenders will extend your loan out to the following pay date. But as always it will be determined by your lender. Again we strongly advise reading all your documentation as with any loan.

What if I Default on My Loan?

Every lender in our network has their own policy for late payments and defaults. Remember to clearly review your policy and terms before borrowing. If for any reason you are not happy with the terms provided then DO NOT e-sign. We insist that the leaders in our network follow legal and ethical collection practices set by industry associations and government agencies. Please note that non-payment of a payday loan may adversely affect your credit rating.
Payday Loans and Cash Advances are expensive. Even loans advertised as low-cost loans are expensive. Exhaust all your efforts to get the cash you need before borrowing.
Spotya! Is not responsible for any lender policy or terms. We simply match you with a lender.


  • Spotya! is not a lender
  • Spotya!’s services are free to the borrower
  • Spotya! gathers information to find you a lender in our network
  • The terms of your loan is decided by your lender
  • You the borrower must e-sign to accept the terms
  • Your lender must disclose fees, rates, and APR
  • In most cases, fees range from $10 to $25 per hundred borrowed
  • Interest can range from 200% to over 1300% APR (annual percentage rate)
  • Spotya! Is not responsible for your lender, loan, terms, conditions etc.
  • A payday loan or cash advance is expensive
  • Exhaust all efforts to get the cash you need before borrowing.