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Tennessee Payday Loan Cash Advance Fees, Rates & Interest

Spotya! is happy to serve Tennessee state residents. 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 Tennessee. 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

  • $200.00

Spotya Payday Loan Fee

  • $15.00 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 state law, we do not allow loan extensions for customers residing in Tennessee. Repayment for your total amount due will be required on your scheduled due date.

Governing Law Information

Tennessee Department of Financial Institutions
511 Union Street, Suite 400 Nashville TN 37219
Ph: (615) 741-2236