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Rhode Island 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 Rhode Island state residents our payday loan services. We believe compliance with all federal and state laws governing the payday loan industry is important. Your Spotya payday loan agreement will be governed by the laws applicable in the state of Rhode Island. 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

  • $19.00 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 14 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 for approval.

Extensions or “Roll Overs”

In accordance with Rhode Island state law, you will have the option to extend your loan a maximum of 1 time before full payment is required. 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

Rhode Island Department of Business Regulation
Division of Banking
233 Richmond Street, Suite 231 Providence RI 02903
Ph: (401) 222-2405