Payday Loans in Land O’ Lakes, Florida

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Payday Loan Companies in Land O' Lakes, FL

Company nameAddressZip codePhone number
SunTrust Bank 7914 Land O' Lakes Blvd 34638 +1 (813) 345 - 3252

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Land O' Lakes, FL, you can try to find different companies in big cities near by. Check out the following pages here: Guaranteed Loans in Largo, FL, Payday Loans in Lehigh Acres, FL, Payday Loan for Melbourne, FL, Payday Loans in Merritt Island, FL, Emergency Loan in Miami, FL, Payday Loans in Miami Beach, FL, Payday Loans in Navarre, FL and Payday Loans in North 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 Land O' Lakes, FL.

Beautiful sights of Land O' Lakes, FL

Payday Loans Available in Land O' Lakes, FL By The Following ZIP Codes:

33558, 34637, 34638, 34639, 33559

Are Payday Loans Legal In Land O' Lakes, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Land O' Lakes, 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

Land O' Lakes, FL payday loan calculator

Payday Loans in Land O’ Lakes, Florida

Payday loans, also called cash advance loans, are short-term loans used to cover immediate expenses until a person’s next payday. They are ideal for urgent financial needs, such as car repairs, medical bills, or other unexpected expenses. Though payday loans can be expensive, they are a convenient way to access quick cash. Payday loans are legal in Florida, so those living in Land O’ Lakes can access this type of loan without running afoul of the law.

How Do Payday Loans Work?

Payday loans typically involve borrowing a small amount of money (up to $500 in most states) with a short repayment period (typically up to 30 days). Interest rates are usually high, but depending on the lender, some states have limits on how much they can charge customers. Borrowers usually write a post-dated check or provide authorization for ACH withdrawal from their bank accounts.

Requirements for Applying for a Payday Loan in Land O’ Lakes

To apply for a payday loan in Land O’ Lakes, applicants must meet a few basic requirements. First, applicants must be 18 years of age or older and provide proof of age. Second, applicants must be employed and provide proof of income, such as a pay stub or bank statement. Finally, applicants must have an active checking account in their name.

The Cost of Payday Loans in Land O’ Lakes

The cost of payday loans in Land O’ Lakes can vary depending on the lender and the amount borrowed. Most lenders charge a flat fee plus interest, which is usually around 10% to 15%. For example, if you borrow $200, you may be charged a fee of $25 and an interest rate of 10%, making the total cost of the loan $225.

Alternatives to Payday Loans in Land O’ Lakes

Before taking out a payday loan in Land O’ Lakes, it’s important to consider other options. These may include:

  • Personal Loans: These loans provide a larger amount of money than payday loans and, depending on the lender, may have a longer repayment term and a lower interest rate.
  • Credit Cards: Credit cards provide another option for accessing quick cash. They typically have a lower interest rate than payday loans, but be aware that a higher rate may be charged for cash advances.
  • Family and Friends: Borrowing money from friends and family can be a good option, though it’s important to keep track of the loan and repay it as agreed.
  • Local Charities and Non-Profits: Some charities and non-profits offer financial assistance to those in need.

Applying for a Payday Loan with TheGuaranteedLoans

If you decide to take out a payday loan in Land O’ Lakes, TheGuaranteedLoans can help. We are not a lender, but we can connect you with a reputable lender in your area. Simply fill out our short online form and we will match you with a lender that meets your needs.

F.A.Q.

  • Do I need to provide collateral to take out a payday loan in Land O’ Lakes? No, most payday loans do not require collateral.
  • Do I need to have a perfect credit score to take out a payday loan? No, most payday loans do not require a perfect credit score. The lender may still check your credit score, but even if it is not perfect, you may still be eligible for a payday loan.
  • How long will it take to get a payday loan? Once you have filled out the online application, most lenders are able to provide you with a response within a few hours.
  • What happens if I can’t repay my payday loan on time? Some lenders may have late fees, so it’s important to contact the lender if you can’t repay the loan on time. Depending on your circumstances, the lender may be able to provide an extension.

Apply Now

If you’re in need of quick cash and are looking for a payday loan in Land O’ Lakes, let TheGuaranteedLoans help. We can connect you with a reliable lender in your area. Simply fill out our short online form and you could be approved for a loan in as little as one business day. Don’t wait—apply now!

More F.A.Q.

What are payday loans in Land O' Lakes, Florida?

Payday loans in Land O' Lakes, Florida are short-term loans that are typically used to cover unexpected expenses or to bridge a temporary financial shortfall. They are typically repaid on the borrower's next payday, hence the name.

Are payday loans legal in Land O' Lakes, Florida?

Yes, payday loans are legal in Land O' Lakes, Florida. The state has specific laws governing the terms and conditions of payday loans, including maximum loan amounts, interest rates, and fees.

How Many Cash Advance Companies are in Land O' Lakes, FL?

With the help of our service, you will be able to find 1 cash advance companies in Land O' Lakes, FL

What Cash Advance Companies in Land O' Lakes, FL are the most popular?

You should check SunTrust Bank. Also, you can start your application online on our website.