Payday Loans in Laurel Hill, Florida

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

Company nameAddressZip codePhone number
Finova Financial 4521 PGA Boulevard #226, Palm Beach Gardens, FL 33418 +1 (888) 358 - 4452
Lafayette State Bank 340 W Main St, Mayo, FL 32066 +1 (386) 294 - 1901
Payday Loans Ellenton 3702 US-301, Ellenton, FL 34222 +1 (941) 567 - 8923
Advance America 7451-17 103rd St, Jacksonville, FL 32210 +1 (904) 777 - 5880
Fast Payday Loans, Inc. 4885 Westside Plaza, Marianna, FL 32448 +1 (850) 526 - 9872
Bank of America with Drive-thru ATM 5222 SE Abshier Blvd, Belleview, FL 34420 +1 (352) 347 - 1566
Nicholas Financial Inc 2401 Eau Gallie Blvd 4, Melbourne, FL 32935 +1 (321) 752 - 0955
Community First Credit Union 2004 E West Pkwy, Fleming Island, FL 32003 +1 (904) 354 - 8537
Value Pawn & Jewelry 515 Cheney Hwy, Titusville, FL 32780 +1 (321) 264 - 6151
Shelter Mortgage 7341 Office Park Pl 106, Melbourne, FL 32940 +1 (321) 757 - 6600

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Laurel Hill, FL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Daytona Beach, FL, Payday Loans in Deerfield Beach, FL, Payday Loans in Deland, FL, Payday Loan Without a Credit Check in Delray Beach, FL, Payday Loan for Deltona, FL, Payday Loans in Dunedin, FL, Payday Loans in Estero, FL and Quick Loan in Fort Lauderdale, 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 Laurel Hill, FL.

Beautiful sights of Laurel Hill, FL

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

32567

Are Payday Loans Legal In Laurel Hill, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Laurel Hill, 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

Laurel Hill, FL payday loan calculator

If you’re in need of quick cash in Laurel Hill, Florida, a payday loan may be an option worth considering. Payday loans are legal in Florida and can be a helpful resource for those who need cash fast. However, it’s important to understand what payday loans are and how they work, as well as the potential risks and benefits.

What is a payday loan?

A payday loan is a short-term loan that is typically due on your next payday. These loans are meant to bridge the gap between paychecks and provide quick access to cash when you need it. Payday loans are typically smaller amounts, ranging from $100 to $1,000, and have high interest rates and fees.

How Do Payday Loans Work?

To get a payday loan in Laurel Hill, Florida, you will need to provide proof of income, such as a pay stub, as well as a valid ID and bank account. You will then write a post-dated check for the loan amount, plus fees and interest, that will be cashed by the lender on your next payday. Some lenders also offer the option of electronic debit from your bank account instead of a check.

Benefits of Payday Loans

  • Quick access to cash: Payday loans can provide fast access to cash when you need it most.
  • Easy to qualify: Most payday lenders do not require good credit, making these loans accessible to many borrowers in need of cash.
  • No collateral required: Unlike some other types of loans, payday loans do not require any collateral.

Risks of Payday Loans

  • High interest rates and fees: The interest rates and fees associated with payday loans can be extremely high, making it easy to fall into a cycle of debt if the loan is not paid back within the repayment period.
  • Short repayment period: Payday loans are typically due on your next payday, which may not give you enough time to repay the loan and cover other expenses.
  • Debt cycle: If you are unable to pay off the loan on time, you may need to take out another loan to cover the first one, which can lead to a cycle of debt and financial hardship.

Interesting Statistics about Payday Loans in Laurel Hill, Florida

  • In 2019, Floridians took out more than 7.7 million payday loans, with an average loan amount of $375.
  • The total fees paid on these loans exceeded $2.85 billion, which equates to an average fee rate of 304%.
  • The majority of payday loan borrowers in Florida are women, and many are single parents.

Despite the potential risks, payday loans can be a useful financial tool if used responsibly. If you need cash fast and have exhausted other options, a payday loan may be worth considering. However, it’s important to borrow only what you can afford to repay and to carefully read and understand the loan agreement before signing.

Apply Now

If you’re interested in applying for a payday loan in Laurel Hill, Florida, TheGuaranteedLoans can help connect you with potential lenders. We are a connector service, not a direct lender, and we work with a network of trusted lenders who may be able to provide the loan you need. Simply fill out our online application to get started, and we’ll match you with lenders who meet your needs.

Remember, a payday loan is a short-term loan that should be used responsibly and paid back on time to avoid high fees and interest rates.

F.A.Q.

What are the eligibility requirements for payday loans in Laurel Hill, Florida?

To be eligible for a payday loan in Laurel Hill, Florida, borrowers must be at least 18 years old, have a regular source of income, and have an active checking account.

How much can I borrow with a payday loan in Laurel Hill, Florida?

The maximum amount that can be borrowed with a payday loan in Laurel Hill, Florida is $500. However, some lenders may offer higher loan amounts to borrowers who meet certain eligibility criteria.