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South 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 delighted to offer South Dakota state residents our payday loan services. We take our compliance with all federal and state laws governing the payday loan industry seriously. Your Spotya payday loan agreement will be governed by the laws applicable in South 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

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 have a “once per month” pay cycle. Verifiable payroll direct deposit to your checking account is required for loan approval.

Extensions or “Roll Overs”

In accordance with South Dakota state law and Spotya! company policy, you will have the option to extend your loan a maximum of 4 times 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

South Dakota Division of Banking
217 1/2 West Missouri Avenue Pierre SD 57501
Ph: (605) 773-3421