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Utah 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 provide our payday loan services to Utah 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 Utah. 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

  • $1,000.00

There is No Maximum Fee Amount Set for Utah Payday Loans

  • Other Payday Loan Companies Charge $25.00-$40.00 per $100.00

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 are only paid once per month. Verifiable payroll direct deposit to your checking account is required in order to approve your loan request.

Extensions or “Roll Overs”

In accordance with Utah state law and Spotya! company policy, if you are paid weekly, biweekly, or twice per month, you will have the option to extend your loan a maximum of 4 times before payment in full is required. If you are monthly, you will have the option to extend your loan a maximum of 2 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

Utah Department of Financial Institutions
324 South State Street, Suite 201
Salt Lake City UT 84111
Ph: (801) 538-8830