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South Carolina 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 pleased to offer payday loans to state residents of South Carolina. 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 South Carolina. 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

Spotya Payday Loan Fee

  • $15.00 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 before loan approval.

Extensions or “Roll Overs”

In accordance with state law, we do not allow loan extensions for South Carolina customers. Full payment will be required on your scheduled due date.

Governing Law Information

South Carolina State Board of Financial Institutions
Consumer Finance Division, P.O. Box 11905 Columbia SC 29211
Ph: (803) 734-2020