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Check out what 2,397 people have written so far, and share your own experience. com. com - Top 75 spotloan. com's TrustScore? Voice your opinion today and hear what 2,401 customers have already said. You can calculate the APR of a payday loan using the formula: APR = ( (finance charge / loan amount) × 365) / term × 100. Reviews. com's 4-star rating? Check out what 2,402 people have written so far, and share your own experience. com's 4-star rating? Check out what 2,402 people have written so far,. Mypaydayloan. com's 4-star rating? Check out what 2,402 people have written so far, and share your own experience. Would recommend them to friends and family. com's 4-star rating? Check out what 2,398 people have written so far, and share your own experience. Check out what 2,398 people have written so far, and share your own experience. On the next $1,000, a lender can charge no more than 2% per month or 24% per year. 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