Payday Loans in Day, Florida

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

Company nameAddressZip codePhone number
Noble Funding 6501 Congress Ave 100, Boca Raton, FL 33487 +1 (800) 916 - 3196
ACE Cash Express 8800 N Florida Ave, Tampa, FL 33604 +1 (813) 930 - 2435
First Coast Black Business 2933 Myrtle Ave N 200, Jacksonville, FL 32209
Space Coast Credit Union 445 Fortenberry Rd, Merritt Island, FL 32952 +1 (321) 752 - 2222
SunTrust Bank 16520 N Nebraska Ave, Lutz, FL 33549 +1 (813) 284 - 3816
Family Financial Planners Inc 4499, 406 S Dixie Ave 1, Fruitland Park, FL 34731 +1 (352) 326 - 4000
Karen H Chartier Fairway Independent Mortgage Corporation Loan Officer 111 Solana Rd Unit B, Ponte Vedra Beach, FL 32082 +1 (904) 285 - 4610
Classic Pawn & Gun 33 NW 10th St, Ocala, FL 34475 +1 (352) 690 - 2274
Merchant Banks of Alabama 17361 Perdido Key Dr, Pensacola, FL 32507 +1 (850) 492 - 0203
Raymond James & Associates 13000 Sawgrass Village Cir UNIT 35, Ponte Vedra Beach, FL 32082 +1 (904) 273 - 2444

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Day, FL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Ocala, FL, Payday Loans in Ocoee, FL, Bad Credit Loans in Orlando, FL, Payday Loans in Ormond Beach, FL, Payday Loans in Oviedo, FL, Payday Loans in Palm Bay, FL, Payday Loans in Palm Beach Gardens, FL and Payday Loan Without a Credit Check in Palm Coast, 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 Day, FL.

Beautiful sights of Day, FL

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

32013

Are Payday Loans Legal In Day, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Day, 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

Day, FL payday loan calculator

Payday Loans in Day, Florida: What You Need to Know

Payday loans can be a useful way to cover unexpected expenses or tide you over until your next paycheck. In Day, Florida, payday loans are legal, but it’s essential to understand the laws and regulations surrounding them before you apply. In this article, we’ll cover everything you need to know about payday loans in Day, Florida.

What Are Payday Loans?

Payday loans are a type of short-term loan that typically must be paid back on your next payday. They are often used for emergencies, such as car repairs or medical bills, when you need cash quickly and don’t have other options.

The process of applying for a payday loan is relatively simple. You’ll usually need to provide proof of income, a bank account, and a government-issued ID. The loan amount you qualify for will depend on your income and other factors, such as the lender’s policies.

Payday Loan Laws in Day, Florida

Payday loans are legal in Florida, but there are several regulations lenders must follow. For example, the maximum loan amount is $500, and the loan term cannot exceed 31 days. Lenders must also provide you with a written agreement that outlines the terms and conditions of the loan, including the total cost.

Florida law also requires lenders to use a statewide database to track loans and ensure that borrowers do not take out multiple loans at once. If you cannot repay the loan on time, you have the option to request an extended payment plan, which gives you up to 60 extra days to repay the loan without additional fees.

The Pros and Cons of Payday Loans

Like any financial product, payday loans have both pros and cons. Here are a few to consider:

Pros:

  • Quick access to cash when you need it most
  • No collateral required
  • No credit check required in most cases

Cons:

  • High interest rates and fees can add up quickly
  • Short repayment terms can be difficult to manage
  • May lead to a cycle of debt if not used responsibly

It’s essential to weigh the pros and cons carefully before deciding whether to take out a payday loan. If you do decide to apply, make sure you understand the terms and conditions and have a plan for repaying the loan on time.

Interesting Facts about Payday Loans in Day, Florida

  • According to the Center for Responsible Lending, the average payday loan borrower in Florida takes out eight loans per year, with a total value of $3,563.
  • A report by the Florida Office of Financial Regulation found that the number of payday loans issued in Florida decreased by 6.8% between 2018 and 2019, from 7.7 million to 7.2 million.
  • Florida law requires lenders to offer a 24-hour cooling-off period before you can take out another loan, to help prevent borrowers from getting trapped in a cycle of debt.

Apply Now with TheGuaranteedLoans

If you’re considering a payday loan in Day, Florida, TheGuaranteedLoans can help connect you with potential lenders. We are a connector service, not a direct lender, and we work with a network of trusted lenders to help you find the best loan option for your needs. To get started, simply fill out our easy online application form, and we’ll do the rest!

Remember, payday loans can be a useful tool for managing short-term financial needs. However, it’s essential to understand the terms and conditions and have a plan for repaying the loan on time. By doing so, you can use payday loans responsibly and avoid falling into a cycle of debt.

F.A.Q.

Can I be denied a payday loan in Day, Florida if I have filed for bankruptcy?

Yes, payday lenders in Day, Florida are allowed to deny loans to borrowers who have filed for bankruptcy. This is because borrowers who have filed for bankruptcy are considered to be high-risk and may be unable to repay their loans.

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

No, it is not a good idea to take out a payday loan in Day, 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.