Payday Loans in Lawtey, Florida

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

Company nameAddressZip codePhone number
Fidelity National Title 189 Center Rd, Venice, FL 34285 +1 (941) 922 - 8843
Advance America 2158 58th Ave, Vero Beach, FL 32966 +1 (772) 564 - 9190
Capital Pawn - Lehigh 1300 Homestead Rd N, Lehigh Acres, FL 33936 +1 (239) 303 - 1680
Advance America 1107 W N Blvd, Leesburg, FL 34748 +1 (352) 315 - 9000
Payday Loans Boynton Beach 1452-1464 E Gateway Blvd, Boynton Beach, FL 33426
Mariner Finance 2905 N Military Trl A, West Palm Beach, FL 33409 +1 (561) 682 - 3678
Ameris Bank 839 S 5th St, Macclenny, FL 32063 +1 (904) 661 - 4520
InstaLoan Loans 2418 N Monroe St #200, Tallahassee, FL 32303 +1 (850) 523 - 9148
Tyndall Federal Credit Union 4926 Westside Plaza, Marianna, FL 32448 +1 (850) 769 - 9999
Havana Caf of the Everglades 191 Smallwood Dr, Chokoloskee, FL 34138 +1 (239) 695 - 2214

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Lawtey, FL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Companies in Fort Myers, FL, 24-Hour Loan in Fort Pierce, FL, Payday Loans in Gainesville, FL, Short-term Loans in Hialeah, FL, Short-term Loans in Hollywood, FL, No Credit Check Loans in Homestead, FL, Payday Loans in Jacksonville, FL and Payday Loans in Jupiter, 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 Lawtey, FL.

Beautiful sights of Lawtey, FL

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

32058

Are Payday Loans Legal In Lawtey, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Lawtey, 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

Lawtey, FL payday loan calculator

If you’re living in Lawtey, Florida, and in need of a quick loan, you may have heard of payday loans. Payday loans are short-term loans that are typically paid back on the borrower’s next payday. While payday loans can be helpful in times of financial need, it’s important to understand the terms and regulations surrounding their use in Lawtey, Florida.

Are Payday Loans Legal in Lawtey, Florida?

Yes, payday loans are legal in Lawtey, Florida. According to Florida law, payday loans are allowed in the state but with specific regulations and restrictions.

When looking for a payday loan in Lawtey, Florida, it’s important to work with a reputable lender. TheGuaranteedLoans is a lending connection service that can help connect you with trusted lenders in Lawtey and across the state of Florida.

What Are the Terms of Payday Loans in Lawtey, Florida?

Florida law governs the terms of payday loans in Lawtey. According to Florida law, payday loans must:

  • Not exceed $500
  • Charge an interest rate that does not exceed 10% of the loan amount
  • Have a loan term of no more than 31 days
  • Allow borrowers to rescind the loan within 24 hours at no cost

It’s important to understand these terms and ensure that any potential lender you work with is following these regulations.

Why Might Someone Consider a Payday Loan in Lawtey, Florida?

There are various reasons why someone might consider a payday loan in Lawtey, Florida. Payday loans can be useful for those who need quick access to cash for unexpected expenses such as medical bills, car repairs, or home repairs. Additionally, payday loans can be helpful for individuals who do not have access to traditional forms of credit such as credit cards or personal loans.

It’s important to remember, however, that payday loans come with high interest rates and fees. It’s crucial to ensure that you have the ability to repay the loan in full and on time to avoid any negative consequences such as additional fees or damage to your credit score.

What Are Alternatives to Payday Loans in Lawtey, Florida?

While payday loans can be helpful in certain circumstances, they are not always the best option. There are several alternatives to consider before taking out a payday loan:

  • Personal loans: Personal loans are a type of installment loan that can be used for a variety of purposes. Personal loans typically have lower interest rates than payday loans and longer repayment periods. However, personal loans may require a credit check and may take longer to process than payday loans.
  • Credit counseling: Credit counseling services can help you create a budget and manage your debt. These services can be helpful for those struggling to make ends meet and looking for long-term solutions to financial issues.
  • Credit cards: For those with good credit, credit cards can be an option for short-term borrowing. Credit cards typically have lower interest rates than payday loans but may have additional fees or penalties if not repaid on time.

Interesting Facts and Statistics about Payday Loans in Lawtey, Florida

Florida has been one of the states with the highest rates of payday lending for many years. According to the Center for Responsible Lending, in 2015, Floridians took out over 7.7 million payday loans, resulting in over $3.1 billion in fees. The typical Florida payday loan borrower takes out nine loans per year and pays an average of 278% in interest and fees.

It’s important to be mindful of the high interest rates and fees associated with payday loans and to consider alternatives where possible. TheGuaranteedLoans can help you connect with reputable lenders in Lawtey, Florida who abide by state regulations and can help you find the loan that best fits your needs.

Ready to Apply for a Payday Loan in Lawtey, Florida?

Don’t let unexpected expenses catch you off guard. If you’re in need of a payday loan in Lawtey, Florida, TheGuaranteedLoans can help. Fill out our online application form to get started and receive personalized loan options from trusted lenders in minutes. Remember, TheGuaranteedLoans is a lending connection service and not a direct lender, so you can be sure that your information will remain safe and secure.

Apply now and take the first step towards financial peace of mind.

F.A.Q.

How long do I have to repay a payday loan in Lawtey, Florida?

The repayment term for payday loans in Lawtey, Florida is typically between two and four weeks. However, some lenders may offer longer repayment terms to borrowers who qualify.

What fees and interest rates are associated with payday loans in Lawtey, Florida?

The fees and interest rates associated with payday loans in Lawtey, Florida vary depending on the lender and the loan terms. In general, these loans have high interest rates and fees, which can make them expensive for borrowers to repay. It is important to carefully review the loan terms before agreeing to a payday loan in Lawtey, Florida.