Payday Loans in Homestead, Florida

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Payday Loan Companies in Homestead, FL

Company nameAddressZip codePhone number
Advance America 320 NE 8th St #6 33030 +1 (786) 243 - 0444
Advance America 890 N Homestead Blvd 33030 +1 (305) 245 - 3600
Advance America 320 NE 8th St., Bay 6 33030 +1 (786) 243 - 0444
Amscot - The Money Superstore 27105 S Dixie Hwy 33032 +1 (305) 508 - 9399
BB&T 3055 NE 8th St 33033 +1 (786) 349 - 6300
Cash Plus - Check Cashing- Payday Loans- Bill Pay- Western Union-Notary- Boss- NetSpend- Fax- Copy 30372 Old Dixie Hwy 33033 +1 (305) 328 - 5080
Check 'n Go 27415 S Dixie Hwy #19 33032 +1 (305) 247 - 2960
Check Cashing USA 338 N Krome Ave 33030 +1 (786) 243 - 2504
Money Mex 25 NW 8th St 33030 +1 (305) 224 - 4954
The Check Cashing Store 160 N Homestead Blvd 33030 +1 (305) 248 - 5545

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Homestead, FL, you can try to find different companies in big cities near by. Check out the following pages here: Same Day Loans in Jacksonville, FL, Payday Loans in Jupiter, FL, Same Day Loans in Kissimmee, FL, Bad Credit Loans in Lake Worth, FL, Payday Loans in Lakeland, FL, Payday Loan for Land O' Lakes, FL, Payday Loans in Largo, FL and Payday Loans in Lehigh Acres, 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 Homestead, FL.

Beautiful sights of Homestead, FL

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

33032, 33031, 33033, 33035, 33090, 33092, 33034, 33030, 33039

Are Payday Loans Legal In Homestead, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Homestead, 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

Homestead, FL payday loan calculator

Payday Loans in Homestead, Florida

For many people, payday loans are a great way to get access to short-term financing. Homestead, Florida, is no exception. Payday loans are legal in the state of Florida and can provide quick access to funds when faced with an emergency or unexpected expense.

In this article, we’ll explain what payday loans are and how they work in Homestead, Florida. We’ll also discuss some of the advantages and drawbacks of taking out a payday loan, and provide some helpful tips on avoiding potential pitfalls when borrowing.

What Are Payday Loans?

Payday loans are short-term loans, typically ranging from $100 to $500, that are due on the borrower’s next payday. The loan is issued with a postdated check or other written agreement that states the amount of the loan and the date it must be repaid.

The interest rate on a payday loan is usually quite high, and it can range from 15% to 30%. As payday loans are due on the borrower’s next payday, this high interest rate is often necessary in order to cover the costs of underwriting and servicing the loan.

How Do Payday Loans Work in Homestead, Florida?

In Homestead, Florida, payday loans are regulated by the Florida Office of Financial Regulation. To be eligible for a payday loan in Homestead, the borrower must be at least 18 years of age and have a valid government-issued photo ID.

Before issuing the loan, the lender must provide the borrower with a disclosure statement that outlines the terms of the loan. The borrower must sign this disclosure statement to acknowledge that they understand and agree to the terms of the loan.

The lender must also provide the borrower with a written repayment plan that outlines their repayment obligations. The repayment plan must include information about any fees or other charges that may apply.

Benefits and Risks of Payday Loans

Payday loans can be a convenient way to access quick cash, but it’s important to understand the potential risks. On the plus side, payday loans can provide a much-needed resource in times of financial hardship, and they can be a good option for those with bad credit, who might not be able to access traditional forms of financing.

On the downside, the high interest rate on payday loans can leave borrowers with a large debt burden. Furthermore, some lenders may attempt to take advantage of borrowers by issuing loans with excessive fees, or by using aggressive debt collection tactics.

Tips for Borrowers in Homestead, Florida

When taking out a payday loan in Homestead, Florida, it’s important to be aware of your rights as a borrower. Here are some tips to help you avoid potential pitfalls when taking out a payday loan:

  • Understand the terms of the loan. Make sure you read the disclosure statement and repayment plan before signing the loan agreement. Be sure to ask the lender any questions you may have about the terms of the loan.
  • Check the fees. Payday loans are often associated with high fees and other hidden costs. Be sure to ask the lender what fees they charge and compare rates between multiple lenders to ensure you get the best deal.
  • Avoid aggressive debt collection. You are not legally obligated to repay a loan that is not in accordance with your repayment plan. Make sure to document any attempts to collect on a loan that is not in accordance with your repayment plan, and contact the Florida Office of Financial Regulation if you have any concerns.

Apply Now

If you’re in need of quick cash in Homestead, Florida, a payday loan may be a good option for you. At TheGuaranteedLoans, we can help you find lenders for payday loans in Homestead, Florida.

We are not a direct lender and do not provide payday loans ourselves, but we do connect people with lenders for further action.

If you’d like to learn more about payday loans in Homestead, Florida, fill out the online application form on our website and we’ll connect you with lenders who can provide the funds you need.

FAQs

Can I get a payday loan in Homestead, Florida?
Yes, payday loans are legal in the state of Florida, and it is possible to get a payday loan in Homestead, Florida. It is important to understand the terms of the loan and shop around for the best rates before taking out the loan.

What is the minimum age for taking out a payday loan in Homestead, Florida?
The minimum age for taking out a payday loan in Homestead, Florida is 18 years of age.

What documents do I need to provide in order to get a payday loan in Homestead, Florida?
If you apply for a payday loan in Homestead, Florida, you will need to provide a valid government-issued photo ID in order to prove your age and identity.

More F.A.Q.

Can I take out multiple payday loans in Homestead, Florida at the same time?

No, Florida law only allows one outstanding payday loan at a time.

Do I need to provide collateral to take out a payday loan in Homestead, Florida?

No, payday loans in Homestead, Florida are unsecured, meaning you do not need to provide collateral.

How Many Cash Advance Companies are in Homestead, FL?

With the help of our service, you will be able to find 10 cash advance companies in Homestead, FL

What Cash Advance Companies in Homestead, FL are the most popular?

You should check Advance America, Amscot - The Money Superstore, and BB&T. Also, you can start your application online on our website.