Payday Loans in Durant, Florida

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

Company nameAddressZip codePhone number
Thrivent Financial 602 Harrison Ave, Panama City, FL 32401 +1 (850) 615 - 0017
IBERIABANK 2000 PGA Boulevard STE 2104, North Palm Beach, FL 33408 +1 (561) 776 - 2525
Space Coast Credit Union 2400 Veterans Memorial Pkwy, Orange City, FL 32763 +1 (800) 447 - 7228
Bank of America with Drive-thru ATM 5101 Golden Gate Pkwy, Naples, FL 34116 +1 (239) 352 - 0095
Check Cashing 3150 S Babcock St # J, Melbourne, FL 32901 +1 (321) 725 - 4447
Walton Credit Corporation 1133 US-90, Defuniak Springs, FL 32433 +1 (850) 951 - 0030
SunTrust Bank 705 E 3rd Ave, New Smyrna Beach, FL 32169 +1 (386) 663 - 6800
UBS Financial Services Inc. 295 1st St S, Winter Haven, FL 33880 +1 (888) 498 - 6445
Advance America 11927 E Colonial Dr, Orlando, FL 32826 +1 (407) 381 - 2662
Kissimmee 10000 Stirling Rd 5, Hollywood, FL 33024 +1 (866) 277 - 5796

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Durant, FL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in North Port, FL, Payday Loans in Ocala, FL, Payday Loans in Ocoee, FL, Bad Credit Loans in Orlando, FL, Bad Credit Loans in Ormond Beach, FL, Payday Loans in Oviedo, FL, Same Day Loans in Palm Bay, FL and 24-Hour Loan in Palm Beach Gardens, 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 Durant, FL.

Are Payday Loans Legal In Durant, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Durant, 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

Durant, FL payday loan calculator

Understanding Payday Loans in Durant, Florida

Payday loans, also known as cash advances, are short-term loans designed to help individuals bridge the gap between paychecks. In Durant, Florida, payday loans are a legal and common form of borrowing. If you’re considering a payday loan, it’s important to understand how they work and the potential risks and benefits involved.

How Do Payday Loans Work?

Typically, payday loans in Durant, Florida involve borrowing a small amount of money, to be repaid with interest and fees on your next payday. These loans are designed to be short-term solutions to temporary financial needs, like unexpected bills or emergency expenses.

The application process for a payday loan is usually quick and straightforward. Most lenders will ask for basic personal information, proof of income, and a checking account. If you’re approved, the funds are typically deposited directly into your bank account within a few hours to a day.

What are the Risks of Payday Loans?

While payday loans can be a useful tool for managing unexpected expenses, they can also come with high fees and interest rates. The cost of borrowing money through a payday loan can be significantly higher than other types of loans, leading to a cycle of debt for some borrowers.

According to recent studies, the average percentage rate (APR) for a payday loan in Florida is around 300%. This means that if you borrow $500, you could end up paying back more than $1,500 over the course of a year. That’s a lot of money in fees and interest!

Another concern with payday loans is the risk of predatory lending practices. Some unscrupulous lenders may try to take advantage of borrowers who are in a difficult financial situation, leading to a trap of debt and financial instability.

What are the Benefits of Payday Loans?

Despite the risks, payday loans can still be a viable option for individuals who need quick cash. One major benefit is the convenience of the application process. Unlike other types of loans, payday loans usually don’t require a credit check or collateral. This means that people with poor credit or no credit history can still be approved for a loan.

Another advantage is the quick turnaround time. If you need money immediately to cover an emergency expense, a payday loan can provide that cash within a few hours or days.

Interesting Facts about Payday Loans in Durant, Florida

  • In Florida, payday loan borrowers can take out loans up to $500.
  • The maximum loan term is 31 days.
  • Florida law prohibits lenders from rolling over loans (extending the loan term) more than once.
  • The average borrower in Florida takes out nine payday loans per year.
  • In 2020, the total amount borrowed through payday loans in Florida was over $4 billion.

Apply Now

If you’re considering a payday loan in Durant, Florida, TheGuaranteedLoans can help. We’re a connector service that can facilitate your connection with potential lenders. Simply fill out our online application to get started.

It’s important to remember that payday loans should be used as a last resort. Consider all of your options and make sure you can afford to repay the loan on time before borrowing.

Thank you for choosing TheGuaranteedLoans as your payday loan resource in Durant, Florida.

F.A.Q.

Can I get a payday loan in Durant, Florida if I have bad credit?

Yes, payday loans in Durant, Florida are typically available to borrowers with bad credit. However, the lender may still perform a credit check and may require you to provide proof of income or other financial information.

Can I get a payday loan in Durant, Florida if I am unemployed?

Yes, you may be able to get a payday loan in Durant, Florida even if you are unemployed. However, the lender will likely require you to provide proof of income or other financial resources to show that you will be able to repay the loan.