Payday Loans in Gonzalez, Florida

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

Company nameAddressZip codePhone number
BB&T 1010 Kennedy Dr Suite 100, Key West, FL 33040 +1 (305) 292 - 3800
Ultimate Autosports, Inc 1227 Marshall Farms Rd B, Ocoee, FL 34761 +1 (407) 654 - 4876
Walmart Money Center 1226 US-331, Defuniak Springs, FL 32435 +1 (850) 892 - 3138
SunTrust Bank 3501 Vandenberg Way, Estero, FL 33928 +1 (239) 908 - 5540
Sunbelt Credit 1030 US-331, Defuniak Springs, FL 32435 +1 (850) 892 - 9504
First Bank 24704 US-27, Moore Haven, FL 33471 +1 (863) 946 - 1515
Keys Federal Credit Union Key Plaza, Key West, FL 3022 N Roosevelt Blvd, Key West, FL 33040 +1 (305) 294 - 6622
SunTrust 2525 N Forest Ridge Blvd, Hernando, FL 34442 +1 (352) 270 - 3279
SunTrust 10 S Desoto Ave, Arcadia, FL 34266 +1 (863) 263 - 3328
CenterState Bank 120 US-27 S, Lake Placid, FL 33852 +1 (863) 465 - 2700

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Gonzalez, FL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Pensacola, FL, Guaranteed Loans in Pinellas Park, FL, Payday Loan for Plant City, FL, Payday Loan for Pompano Beach, FL, 24-Hour Loan in Port Charlotte, FL, Guaranteed Loans in Port Orange, FL, Online Loans in Port Saint Lucie, FL and Payday Loan for Riverview, 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 Gonzalez, FL.

Beautiful sights of Gonzalez, FL

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

32560

Are Payday Loans Legal In Gonzalez, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Gonzalez, 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

Gonzalez, FL payday loan calculator

What are Payday Loans in Gonzalez, Florida?

Payday loans are short-term loans that are designed to be repaid on the borrower’s next payday. These loans are commonly used to cover unexpected expenses or to bridge the gap between paychecks. Payday loans in Gonzalez, Florida, are legal and regulated by state law. This means that lenders must adhere to specific guidelines, including limiting the amount of money that can be borrowed and charging reasonable fees and interest rates.

How do Payday Loans Work?

The process of obtaining a payday loan in Gonzalez, Florida, is relatively simple. Borrowers can apply in person or online, and lenders typically require proof of income, identification, and a bank account. Once approved, borrowers receive the money they need, which must be repaid on their next payday.

It’s important to note that payday loans in Gonzalez, Florida, typically come with high fees and interest rates. This is because the lending process is designed to be quick and easy, and lenders often work with borrowers who have poor credit or no credit history. To help mitigate these fees, borrowers should only take out payday loans when absolutely necessary and should plan to repay them as soon as possible.

What are the Benefits of Payday Loans?

  • Access to Funds: Payday loans can provide borrowers with the funds they need to cover unexpected expenses or emergencies.
  • Quick Approval: Payday loans are easy to apply for and are often approved within hours or even minutes.
  • No Credit Check: Most payday lenders do not require a credit check, making these loans an option for borrowers with poor credit or no credit history.

What are the Risks of Payday Loans?

  • High Fees and Interest Rates: Payday loans typically come with high fees and interest rates, which can make them expensive to repay.
  • Debt Cycle: Because payday loans must be paid back on the borrower’s next payday, borrowers may find themselves in a cycle of debt if they cannot afford to repay the loan in full.
  • Scams and Predatory Lending: Some payday lenders engage in predatory lending practices or operate scams, which can leave borrowers in worse financial shape than before they obtained the loan.

Interesting Facts and Statistics About Payday Loans in Gonzalez, Florida

  • The average payday loan in Florida is $375: This is the highest average loan amount in the United States.
  • Florida law limits the amount of money that can be borrowed: Borrowers cannot take out more than $500 in payday loans at a time, and they must wait 24 hours before taking out a new loan.
  • Payday lenders in Florida made $311 million in fees in 2018: This is a significant increase from the $237 million in fees made in 2015.

Apply Now!

If you need a payday loan in Gonzalez, Florida, TheGuaranteedLoans can help. We are a connector service that can facilitate your connection with potential lenders. To begin the application process, simply fill out our online application form. Remember, payday loans should only be used for emergencies and should be repaid as soon as possible to avoid high fees and interest rates.

F.A.Q.

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

Yes, payday loans in Gonzalez, 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 Gonzalez, Florida if I am unemployed?

Yes, you may be able to get a payday loan in Gonzalez, 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.