Payday Loans in Clearwater Beach, Florida

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

Company nameAddressZip codePhone number
SunTrust Bank 695 N Scenic Hwy, Frostproof, FL 33843 +1 (863) 546 - 9840
Money Mex 25 NW 8th St, Homestead, FL 33030 +1 (305) 224 - 4954
InstaLoan Loans 8945 Pensacola Blvd, Pensacola, FL 32534 +1 (850) 479 - 9527
Farm Credit of Florida 1606 Canyon Ave NE, Live Oak, FL 32064 +1 (386) 362 - 2588
Patrick Coyne - Raymond James 2395 N Courtenay Pkwy, Merritt Island, FL 32953 +1 (877) 953 - 7526
Check On Hold 1301 Beville Rd, Daytona Beach, FL 32119 +1 (866) 284 - 4456
Advance America 1020-14 N. Edgewood Ave., Jacksonville, FL 32254 +1 (904) 781 - 7075
Auto Dealer Solutions 4724 53rd Ave E 1, Bradenton, FL 34203 +1 (941) 479 - 7959
Bank of Jackson County 5381 Cliff St, Graceville, FL 32440 +1 (850) 263 - 3225
Raymond James Financial Services 2031 US Hwy 27 S, Sebring, FL 33870 +1 (863) 385 - 5172

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Clearwater Beach, FL, you can try to find different companies in big cities near by. Check out the following pages here: Guaranteed Loans in Miami, FL, Payday Loans in Miami Beach, FL, No Credit Check Loans in Navarre, FL, Guaranteed Loans in North Fort Myers, FL, Payday Loans in North Miami Beach, FL, Payday Loans in North Port, FL, Guaranteed Loans in Ocala, FL and Payday Loans in Ocoee, 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 Clearwater Beach, FL.

Beautiful sights of Clearwater Beach, FL

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

00000

Are Payday Loans Legal In Clearwater Beach, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Clearwater Beach, 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

Clearwater Beach, FL payday loan calculator

Understanding Payday Loans in Clearwater Beach, Florida

If you find yourself in a financial bind, a payday loan may be on your mind. In Clearwater Beach, Florida, payday loans are legal with certain regulations in place. Understanding these regulations can help you make an informed decision about your financial options.

What is a Payday Loan?

A payday loan is a small loan that helps bridge the gap between paychecks. When you take out a payday loan, you borrow a small amount of money to pay off unexpected bills or expenses. The loan is designed to be short-term, with repayment expected on your next payday.

Regulations for Payday Loans in Clearwater Beach, Florida

While payday loans are legal in Clearwater Beach, Florida, there are regulations in place to protect borrowers. Florida law limits the amount of money you can borrow with a payday loan to $500. Additionally, lenders are not allowed a loan more than one loan at a time to one borrower. The repayment term for the loan is generally 31 days. However, if you are unable to repay the loan on time, the lender is required to give you an additional 60-day grace period.

The Benefits of a Payday Loan

There are several benefits of taking out a payday loan in Clearwater Beach, Florida. First, payday loans are a quick and easy way to get the cash you need to cover unexpected expenses. The application process is simple, and you can often get your money on the same day you apply. Second, there are no collateral requirements for a payday loan. Third, payday loans are an option for people with less-than-perfect credit. Your credit score will not be the only factor considered when you apply for a payday loan.

The Risks of a Payday Loan

While there are benefits to payday loans, there are also risks to consider. The biggest risk is that payday loans come with a high-interest rate. This rate can vary depending on the lender you choose. In Florida, payday loan interest rates are capped at 10% of the loan amount, plus a $5 fee. If you are unable to repay the loan on time, the interest and fees can quickly add up, making the loan even more expensive.

Apply Now

At TheGuaranteedLoans, we understand that unexpected expenses can happen. That’s why we offer a simple online application process that can help you get the money you need. We are a connector service, not a direct lender, and we can connect you with potential lenders who specialize in payday loans. Simply fill out our online form, and we’ll take care of the rest.

Interesting Facts and Statistics about Payday Loans in Clearwater Beach, Florida

Did you know that the average payday loan amount in Florida is $392? Or that the average borrower takes out seven loans each year? According to a Pew Charitable Trusts study, 83% of payday loan borrowers in Florida take out a new loan on the same day that they paid off their previous loan. This cycle of borrowing can lead to accumulated interest and fees that make it difficult for borrowers to break free.

Conclusion

Payday loans can be a valuable financial tool for people in need of quick cash. However, it’s important to understand the regulations and risks associated with these loans. At TheGuaranteedLoans, we’re dedicated to providing you with accurate information and connecting you with potential lenders who can help you get the funds you need. Apply now to start the process and take the first step towards financial freedom.

F.A.Q.

Is it a good idea to take out a payday loan in Clearwater Beach, Florida to pay off another payday loan?

No, it is not a good idea to take out a payday loan in Clearwater Beach, Florida to pay off another payday loan. This is known as “loan stacking” and it can quickly lead to a cycle of debt that is difficult to escape. It is best to seek other options, such as a payment plan or credit counseling, to help you pay off your payday loan.

How can I find a reputable payday lender in Clearwater Beach, Florida?

To find a reputable payday lender in Clearwater Beach, Florida, you can check with the Florida Office of Financial Regulation to make sure the lender is licensed and in good standing. You can also read reviews from other customers and compare interest rates and fees from different lenders to find the best deal.