Payday Loans in Lake Harbor, Florida

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

Company nameAddressZip codePhone number
TD Bank 2601 S Bay St, Eustis, FL 32726 +1 (352) 357 - 0160
The Check Cashing Store 27990 S Tamiami Trail, Bonita Springs, FL 34134 +1 (239) 947 - 8770
BBS Enterprises LLC 210 W Sugarland Hwy, Clewiston, FL 33440 +1 (863) 983 - 2121
Advance America 18502 NW 67th Ave #20, Hialeah, FL 33015 +1 (305) 698 - 0933
The Check Cashing Store 100 N 28th Ave, Hollywood, FL 33020 +1 (954) 920 - 7012
Payday Solution 2360 W 68th St #126, Hialeah, FL 33016 +1 (305) 824 - 9067
Raymond James 780 5th Ave S suite 200, Naples, FL 34102 +1 (239) 592 - 1112
Mariner Finance 5709 US-90, Milton, FL 32583 +1 (850) 994 - 9737
The Check Cashing Store 4085 Hancock Bridge Pkwy, North Fort Myers, FL 33903 +1 (239) 652 - 0747
SunTrust Mortgage 10536 Moss Park Road, Orlando, FL 32832 +1 (800) 634 - 7928

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Lake Harbor, FL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Bonita Springs, FL, Bad Credit Loans in Boynton Beach, FL, Payday Loans in Bradenton, FL, Payday Loans in Brandon, FL, Payday Loans in Cape Coral, FL, Payday Loans in Clearwater, FL, Payday Loan Without a Credit Check in Clermont, FL and Payday Loans in Daytona Beach, 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 Lake Harbor, FL.

Are Payday Loans Legal In Lake Harbor, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Lake Harbor, 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

Lake Harbor, FL payday loan calculator

Payday Loans in Lake Harbor, Florida

Payday loans are short-term loans typically given to borrowers who need immediate cash before their next paycheck arrives. These types of loans are often a last resort for those facing unexpected expenses or bills. In Florida, payday loans are legal, and Lake Harbor residents have access to a variety of lenders offering these types of loans.

How Payday Loans Work in Lake Harbor, Florida

Payday loans are relatively easy to apply for in Lake Harbor, Florida, and the process typically requires the borrower to fill out some simple documentation. Often, a borrower will need to provide proof of income, identification, and a postdated check for the amount they are borrowing plus any fees. Once approved, the lender will provide the borrower with the money they need and hold onto the check until the borrower’s next payday. At that time, the lender will cash the check to cover the cost of the loan.

It’s important to note that payday loans in Lake Harbor, Florida, can come with high fees and interest rates. In some cases, borrowers may have trouble repaying the loan, which can lead to additional fees and even more financial hardship. It’s crucial to understand the terms of the loan before agreeing to take it out to prevent any surprises down the road.

The Benefits and Risks of Payday Loans in Lake Harbor, Florida

For those facing unexpected expenses or bills, payday loans can provide a much-needed lifeline. They offer quick access to cash without having to go through a lengthy application process or credit check. Additionally, payday loans can help borrowers avoid overdraft fees or other penalties that may come with being short on cash.

However, with these benefits come some significant risks. As mentioned earlier, payday loans can come with high fees and interest rates, making them expensive for borrowers. Additionally, if a borrower is unable to repay the loan on time, it can result in further financial difficulties, including additional fees and damage to their credit score.

Interesting Facts and Statistics about Payday Loans in Lake Harbor, Florida

  • In 2019, the total payday loan debt in Florida was over $2.7 billion.
  • The average payday loan in Florida is $375, with an average fee of $56.25.
  • In Florida, borrowers are limited to one payday loan at a time and must wait 24 hours after paying off a loan before taking out a new one.
  • Payday lenders in Florida are not required to verify a borrower’s ability to repay the loan before giving them the money.
  • In 2020, the Florida House of Representatives passed a bill that would increase regulation of the payday loan industry but the bill did not make it past the Senate.

Apply Now!

If you need fast cash and are considering a payday loan, TheGuaranteedLoans website can help you find a lender that can meet your needs. Keep in mind that as a connector service, TheGuaranteedLoans does not lend money directly but facilitates your connection with potential lenders. To get started, fill out our simple online application, and we’ll match you with lenders willing to loan you money today!

F.A.Q.

Are payday loans legal in Lake Harbor, Florida?

Yes, payday loans are legal in Lake Harbor, Florida and are regulated by the Florida Office of Financial Regulation.

What are the maximum loan amounts and interest rates for payday loans in Lake Harbor, Florida?

The maximum loan amount for a payday loan in Lake Harbor, Florida is $500, and the maximum interest rate is 10% per month.