Payday Loans in Kathleen, Florida

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

Company nameAddressZip codePhone number
SunTrust Bank 2408 Periwinkle Way, Sanibel, FL 33957 +1 (239) 312 - 3241
ACE Cash Express 25720 US Hwy 19 N, Clearwater, FL 33763 +1 (727) 725 - 9905
Tyndall Federal Credit Union 1601 FL-77, Lynn Haven, FL 32444 +1 (850) 769 - 9999
Oportun 2613 Simpson Rd, Kissimmee, FL 34744 +1 (321) 684 - 4916
Advance America 87 Alafaya Woods Blvd, Oviedo, FL 32765 +1 (407) 359 - 2970
First Coast Auto Finance Inc 1156 Cassat Ave, Jacksonville, FL 32205 +1 (904) 783 - 8558
Advance America 7001 Merrill Rd #33, Jacksonville, FL 32277 +1 (904) 744 - 9598
COREMERICA AUTO SALES TRADE FINANCE 1441 SW 12th Ave A, Pompano Beach, FL 33069 +1 (954) 821 - 4331
Eglin Federal Credit Union ATM 798 E John Sims Pkwy, Niceville, FL 32578
Flagler Bank 5426, 555 Northlake Blvd A, North Palm Beach, FL 33408 +1 (561) 841 - 3868

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Kathleen, FL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in North Fort Myers, FL, Payday Loans in North Miami Beach, FL, Emergency Loan in North Port, FL, Payday Loans in Ocala, FL, Quick Loan in Ocoee, FL, Payday Loans in Orlando, FL, Online Loans in Ormond Beach, FL and No Credit Check Loans in Oviedo, 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 Kathleen, FL.

Beautiful sights of Kathleen, FL

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

33849

Are Payday Loans Legal In Kathleen, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Kathleen, 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

Kathleen, FL payday loan calculator

Understanding Payday Loans in Kathleen, Florida

Payday loans are short-term loans that can be obtained by individuals who need immediate financial assistance. These loans are meant to be paid back by the borrowers when they receive their next paycheck. In Kathleen, Florida, payday loans are legal and regulated by state law.

How Do Payday Loans Work?

Payday loans are most commonly offered as small-dollar loans ranging from $50 to $500. In Florida, payday loan terms cannot exceed 31 days. These loans are intended to help borrowers get through a financial crisis and cover unexpected expenses. However, payday loans can be a high-cost borrowing option due to their high-interest rates. The annual percentage rate (APR) for payday loans in Florida can be as high as 304%.

In order to obtain a payday loan in Kathleen, Florida, borrowers must provide proof of employment or a stable income source. This is because payday lenders require assurance that the borrower will be able to repay the loan when it is due. Applicants must also be at least eighteen years old and have a valid ID when applying for a payday loan.

Benefits of Payday Loans

  • Easy Access: Payday loans do not require collateral, and the application process is quick and straightforward.
  • No Credit Check: Most payday lenders do not perform credit checks, making this an option for individuals with poor or no credit.
  • Flexibility: Payday loans can be used for any unexpected expenses that come up, such as car repairs or medical bills.

Risks of Payday Loans

While payday loans can be a useful option in certain circumstances, they come with a number of risks that borrowers should be aware of:

  • High Interest Rates: Payday loans often have high interest rates, which can make repayment difficult and lead to a cycle of debt.
  • Short Repayment Periods: Borrowers may only have a short amount of time to repay the loan, which can put pressure on their finances and lead to missed payments.
  • Cycle of Debt: Some borrowers may end up taking out additional payday loans to repay their initial loan, leading to a cycle of debt and financial instability.

Why Choose TheGuaranteedLoans for Your Payday Loan Needs?

When you need a payday loan in Kathleen, Florida, turn to TheGuaranteedLoans to help you connect with potential lenders. As a connector service, we work to match borrowers with the best possible lenders based on their individual needs and financial situation.

Our online application process is quick and easy, allowing you to apply for a payday loan from the comfort of your own home. We respect our customer’s privacy and never sell or share their personal information.

Interesting Facts and Statistics about Payday Loans in Kathleen, Florida

  • In 2019, the Florida Office of Financial Regulation reported that more than 7 million payday loans were taken out in the state, with a total of $3.49 billion in payday loan volume.
  • From 2016 to 2018, the number of payday lenders in Florida increased by 6%, with more than 1,000 payday loan storefronts operating in the state as of 2019.
  • In Florida, the average payday loan amount is $399, with an average term length of 14 days.

Apply Now for a Payday Loan in Kathleen, Florida

If you need financial assistance and are considering a payday loan, turn to TheGuaranteedLoans to help you connect to potential lenders in Kathleen, Florida. Our service is fast, easy, and secure, and we work to match you with lenders who offer competitive rates and terms.

Remember, payday loans should be used responsibly and only when necessary. If you’re unsure whether a payday loan is right for you, explore other options, such as personal loans or credit cards, before making a decision.

F.A.Q.

Can payday lenders garnish my wages in Kathleen, Florida?

Yes, if you default on your payday loan in Kathleen, Florida, the lender may be able to garnish your wages to recover the unpaid loan amount. However, there are limits on the amount that can be garnished, and the lender must first obtain a court order.

Can payday lenders take legal action against me in Kathleen, Florida?

Yes, if you default on your payday loan in Kathleen, Florida, the lender may be able to take legal action against you to recover the unpaid loan amount. This could include filing a lawsuit against you or obtaining a judgment against you.