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Wisconsin 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 serve Wisconsin state residents. 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 Wisconsin. 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 Wisconsin Payday Loans

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

Spotya Payday Loan Fee

  • $19.00 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. You must have payroll direct deposit to your checking account in order to gain approve for your loan request.

Extensions or “Roll Overs”

In accordance with Spotya! company policy, you will have the option to extend your loan a maximum of 4 times before payment in full 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

Wisconsin Department of Financial Institutions
Consumer Act Section
P.O. Box 8041 Madison WI 53708
Ph: (608) 261-9555