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Texas Payday Loan Cash Advance Fees, Rates & Interest

Spotya! is happy help residents of Texas obtain a payday loan or cash advance. We take our compliance with all federal and state regulations governing the payday loan industry seriously. Your payday loan agreement will be governed by the state laws applicable in Texas. 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).

Finding A Lender You Can Trust

Although Spotya! isn’t a direct lender, we are proud to partner with My Cash Time, a trusted premier lender offering fast, fair and friendly service to consumers who need cash in a hurry for any reason. In the event that your loan is not approved with My Cash Time, Spotya! will make every effort to find you a quality lender to assist in getting you approved for your overnight payday loan or cash advance.

MyCashTime is owned by Approved Money Center, LLC and operates as a Credit Services Organization (“CSO”) and a Credit Access Business that assists consumers in obtaining Deferred Presentment Transactions (aka, Payday Loans) through 3rd party lending organizations. A fee will be charged by the CSO for arranging the loan and interest will be a charged by the lender at 10% per annum. If your Payday Loan account is returned as unpaid through the ACH process, you will be charged a $30 returned payment fee.

Maximum Loan Amount

  • $1,500.00

Spotya Payday Loan Fee

  • $20.00 per $100.00 (Please see APR above)
  • Spotya! does NOT charge you the additional processing fee allowed by law.

Our Loan Terms

Your payday loan will be scheduled for repayment on your pay date within the next 8 to 30 days. We do not exceed 20 days loan periods unless you have a once per month pay cycle. Verified payroll direct deposit to your checking account is required for approval.

Governing Law Information

Texas Office of Consumer Credit Commissioner
2601 N. Lamar Blvd. Austin TX 78705
Ph: (512) 936-7600