Payday Loans in Georgetown, Florida

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

Company nameAddressZip codePhone number
ACE Cash Express 11059 W Colonial Dr, Ocoee, FL 34761 +1 (407) 656 - 9366
Capital Pawn - Lehigh 1300 Homestead Rd N, Lehigh Acres, FL 33936 +1 (239) 303 - 1680
Payday Loans Hialeah Hialeah, FL 33013
InstaLoan Loans 2418 N Monroe St #200, Tallahassee, FL 32303 +1 (850) 523 - 9148
Check n Go 1235 Arlington Rd N, Jacksonville, FL 32211 +1 (904) 723 - 3221
Check 'n Go 195 Blanding Blvd #5, Orange Park, FL 32073 +1 (904) 272 - 6704
loanDepot 541 S Orlando Ave 203, Maitland, FL 32751 +1 (407) 985 - 7800
Farm Credit of Northwest Florida 5052 US-90, Marianna, FL 32446 +1 (850) 526 - 4910
Cash Advance 875 Mason Ave, Daytona Beach, FL 32114 +1 (386) 401 - 0264
SunTrust Bank 99 US-17, Haines City, FL 33844 +1 (863) 256 - 1415

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Georgetown, FL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Deerfield Beach, FL, Payday Loans in Deland, FL, Online Loans in Delray Beach, FL, Short-term Loans in Deltona, FL, Payday Loans in Dunedin, FL, Payday Loans in Estero, FL, Payday Loan for Fort Lauderdale, FL and Payday Loans in Fort Myers, 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 Georgetown, FL.

Are Payday Loans Legal In Georgetown, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Georgetown, 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

Georgetown, FL payday loan calculator

Payday loans are a popular financial option for people who require short-term loans but lack access to other forms of credit. These loans enable borrowers to borrow money against their next paycheck or income to help them deal with emergency expenses. Payday loans are legal in Florida, including in Georgetown, Florida. In this article, we will explore what payday loans are, how they work, and what you need to know before applying for one in Georgetown.

What are Payday Loans?

A payday loan is a type of short-term loan designed to help people bridge the gap between paydays. It is an unsecured loan, which means that you don’t have to provide collateral to obtain the funds. The loan amount is typically between $100 and $500, but it can be higher, depending on the lender and the borrower’s income.

How Do Payday Loans Work?

To obtain a payday loan, you typically need to provide proof of income, such as a pay stub, and a post-dated check or pre-authorization for an electronic debit from your bank account. The lender will then give you the cash you need, and you’ll be required to repay the loan, plus fees and interest, when you receive your next paycheck.

The fees and interest for payday loans in Georgetown, Florida, vary depending on the lender and the loan terms. The Florida Office of Financial Regulation regulates payday lending in the state and enforces the maximum fee a lender can charge. In Florida, the fee for a payday loan cannot exceed 10% of the loan amount and must be repaid by the due date.

It’s important to note that payday loans are meant to be used for short-term financial emergencies and are not a long-term solution to financial problems. Borrowers should only take out a payday loan if they have the means to repay it on time and in full.

What You Need to Know Before Applying for a Payday Loan in Georgetown, Florida

  • Payday loans in Georgetown, Florida, are regulated by state law. State law, as enforced by the Florida Office of Financial Regulation, stipulates that payday lenders must adhere to certain rules and must not exceed the maximum fee allowed for a loan. You should always check the license of a payday lender before applying for a loan.
  • Payday loans can be expensive. The fees and interest rates for payday loans can be high, and if you don’t repay the loan on time, you may incur additional fees and charges. You should always carefully review the loan agreement and understand the total cost of the loan before accepting it.
  • Payday loans can affect your credit score. Payday loans are not reported to the credit bureaus, and a payday lender will not check your credit score before approving your loan. However, if you fail to repay the loan on time, the lender may report your delinquency to the credit bureaus, and this could negatively affect your credit score.
  • Payday loans may not improve your financial situation. If you’re struggling to keep up with bills or repay debt, taking out a payday loan may not be the best option. A better option might be to seek help from a credit counselor or to negotiate with creditors to work out a repayment plan.

Interesting Facts and Statistics about Payday Loans in Georgetown, Florida

  • In Florida, over 7.7 million payday loans were taken out in 2018, with borrowers paying over $3.5 billion in fees.
  • The average loan amount in Florida is $399, and the average fee is $42.73 per loan.
  • Payday lenders in Florida must be licensed with the state and are prohibited from harassing or threatening borrowers to collect repayment.
  • Florida law also requires that payday lenders offer borrowers the option of an extended repayment plan if they are unable to repay the loan on time.

Apply Now for a Payday Loan in Georgetown, Florida

If you require an emergency loan in Georgetown, Florida, and are considering a payday loan, TheGuaranteedLoans can help. We are a connector service that can provide you with access to potential lenders. Simply visit our website and fill out the online application form.

Remember, payday loans are a short-term financial solution, and you should always carefully review the loan terms and ensure that you can repay the loan on time and in full before accepting it. If you have any questions about payday loans or need help understanding your options, contact us today, and we can guide you through the process.

F.A.Q.

What should I do if I am having trouble repaying my payday loan in Georgetown, Florida?

If you are having trouble repaying your payday loan in Georgetown, Florida, you should contact your lender as soon as possible to discuss your options. You may be able to negotiate a payment plan or seek assistance from a credit counseling agency.

Can I extend or renew my payday loan in Georgetown, Florida?

No, in Georgetown, Florida, payday loans cannot be extended or renewed. Borrowers are required to repay the full loan amount, plus interest and fees, by the agreed upon due date.