Payday Loans in Christmas, Florida

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No payday loan companies in Christmas, FL. Consider companies in other cities:

Company nameAddressZip codePhone number
First Coast Community CU 112 Summit St, Crescent City, FL 32112 +1 (386) 698 - 1883
Heather Roberts: IBERIABANK Mortgage 1000 Kennedy Dr, Key West, FL 33040 +1 (305) 296 - 0016
Walmart Money Center 2767 W US Hwy 90, Lake City, FL 32055
BB&T 1711 Eagle Harbor Pkwy, Orange Park, FL 32003 +1 (904) 215 - 4800
Fast Payday Loans, Inc. 301 E Cervantes St, Pensacola, FL 32501 +1 (850) 438 - 8845
Raymond James Financial Services 418 S Tamiami Trail, Osprey, FL 34229 +1 (941) 493 - 3232
Space Coast Credit Union 1701 S Dixie Fwy, New Smyrna Beach, FL 32168 +1 (800) 447 - 7228
BB&T 11400 Panama City Beach Pkwy, Panama City Beach, FL 32407 +1 (850) 636 - 2980
Railroad & Industrial Federal Credit Union 619 30th St NE, Ruskin, FL 33570 +1 (813) 621 - 6661
Fast Payday Loans Port Orange 721 Sleepy Hollow Dr, Port Orange, FL 32127

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Christmas, FL, you can try to find different companies in big cities near by. Check out the following pages here: Bad Credit Loans in Boca Raton, FL, Payday Loans in Bonita Springs, FL, Payday Loans in Boynton Beach, FL, Payday Loans in Bradenton, FL, Payday Loan for Brandon, FL, Payday Loans in Cape Coral, FL, Payday Loans in Clearwater, FL and Bad Credit Loans in Clermont, FL. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Christmas, FL.

Beautiful sights of Christmas, FL

Payday Loans Available in Christmas, FL By The Following ZIP Codes:

32709

Are Payday Loans Legal In Christmas, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Christmas, Florida: cash advance loans , personal check loan s, installment loans . Employees may take advance loans for any period of time starting from 7 to 31 days regardless their earnings during the last one-year period. Payday loan approval is based on a borrower's credit report, which is provided by the lender and subject to verification. Credit report is delivered unchanged to the borrower who complies with lender's requirements.

Requests are usually being settled online; quick cash advance pickup service is offered as well.

Payday loans are taken for $500 and have repayment terms of 4 weeks after the date of deposit receipt. Interest rate is equal to 35% (rounded to the second decimal place); APR - 304%.

The maximum amount of all your payday loans at one time shall not exceed $500.

There is a cooling-off period of 24 hours between 2 consecutive loans.

One loan at a time is allowed. No rollovers are allowed. Criminal actions are prohibited. An administrative fee equal to 50 cents for every $10 received as an advance or rollover may be charged; fee amount depends on credit report evaluation results available 24 hours ahead of loan repayment stage, as well as it depends on contract characteristics.

Florida Loan Regulations

Legal StatusLegal
Interest Rate (APR, %)304
Maximum Loan Amount$500 exclusive of the fees
Minimum Loan Term7 days
Maximum Loan Term31 days
Number of Rollovers Allowed0
Finance Charges0.1

Christmas, FL payday loan calculator

Payday Loans in Christmas, Florida

Payday loans are a type of short-term loan that can provide fast cash to help cover unexpected expenses. In Christmas, Florida, payday loans are legal, and many people turn to them in times of financial need. However, it’s important to understand the risks and benefits of these loans before deciding to borrow.

How Payday Loans Work

Payday loans are typically small-dollar loans that you can borrow for a short period, usually two weeks. You’ll typically need to pay back the loan with a fee when you receive your next paycheck. In Florida, the maximum you can borrow through a payday loan is $500.

While payday loans can be helpful in emergency situations, they often come with high fees and interest rates. In Florida, the maximum interest rate on a payday loan is 304%.

Benefits of Payday Loans

Payday loans can be a good option if you need cash quickly and have no other options. They’re easy to apply for, and you can often get the money you need within a few hours or days. Additionally, payday lenders don’t require a credit check, which means you can get a loan even if you have bad credit.

Risks of Payday Loans

While payday loans can be helpful in some situations, they come with several risks. The high fees and interest rates can trap borrowers in a cycle of debt, where they’re constantly borrowing to pay back previous loans. Additionally, payday lenders often target low-income individuals who are desperate for cash, which can lead to unfair lending practices.

Interesting Facts and Statistics

  • According to a report from the Center for Responsible Lending, the average payday borrower in Florida takes out nine payday loans per year.
  • Florida law allows payday lenders to charge up to 304% interest on loans.
  • The payday lending industry in Florida generates an estimated $311 million in fees annually.

Despite the risks associated with payday loans, many people in Christmas, Florida rely on them to make ends meet. If you’re considering a payday loan, it’s important to understand the terms and conditions of the loan, and to shop around for the best deal.

Apply Now

If you need cash quickly in Christmas, Florida, consider applying for a payday loan through TheGuaranteedLoans. Our website is a business listing portal that connects borrowers with potential lenders. We’re not a direct lender, but we can help you find a lender that meets your needs. To get started, simply fill out our online application form, and we’ll do the rest.

F.A.Q.

Are there any alternatives to payday loans in Christmas, Florida?

Yes, there are several alternatives to payday loans in Christmas, Florida that may be more affordable and less risky for borrowers. These options include credit union loans, community development financial institution loans, and small personal loans from banks or online lenders.

How can I file a complaint about a payday lender in Christmas, Florida?

Borrowers who have concerns or complaints about a payday lender in Christmas, Florida can contact the Florida Office of Financial Regulation. This agency can investigate and take action against payday lenders who violate state laws or regulations.