Payday Loans in Lochloosa, Florida

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

Company nameAddressZip codePhone number
Baric Lawsuit Funding 6401 Congress Ave 205, Boca Raton, FL 33487 +1 (561) 391 - 4215
Variety Bad Credit Loans 2237 Winkler Ave, Fort Myers, FL 33901 +1 (239) 946 - 5758
Advance America 13740 Beach Blvd #114, Jacksonville, FL 32224 +1 (904) 992 - 0966
City National Bank - ATM 175 S Barfield Dr, Marco Island, FL 34145 +1 (239) 394 - 3371
IBERIABANK 4670 Summerlin Rd, Fort Myers, FL 33919 +1 (239) 985 - 2660
Check n Go 1841 N Pine Island Rd, Fort Lauderdale, FL 33322 +1 (954) 452 - 9161
Raymond James & Associates 348 Miracle Strip Pkwy UNIT 13D, Fort Walton Beach, FL 32548 +1 (850) 664 - 0036
Advance America 1607 Main St Unit B, Chipley, FL 32428 +1 (850) 638 - 0048
SunTrust 150 Cocoa Isles Blvd, Cocoa Beach, FL 32931 +1 (321) 392 - 3233
Advance America 1283 Ariana St, Lakeland, FL 33803 +1 (863) 683 - 2650

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Lochloosa, FL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for The Villages, FL, No Credit Check Loans in Titusville, FL, Payday Loans in Valrico, FL, Emergency Loan in Wesley Chapel, FL, Payday Loans in West Palm Beach, FL, Payday Loans in Winter Garden, FL, Payday Loans in Winter Haven, FL and Payday Loans in Winter Springs, 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 Lochloosa, FL.

Are Payday Loans Legal In Lochloosa, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Lochloosa, 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

Lochloosa, FL payday loan calculator

Payday Loans in Lochloosa, Florida: What You Need to Know

If you’re living or working in Lochloosa, Florida, you may find yourself in a financial bind every now and then. Maybe you have an unexpected car repair, medical bill, or other emergency that requires immediate attention. When these situations arise and you don’t have the cash on hand, you might consider taking out a payday loan.

Payday loans are legal in Florida, and they can be a helpful tool when used responsibly. However, it’s important to understand the terms, fees, and risks involved before taking out any loan. Here’s what you need to know about payday loans in Lochloosa:

What is a Payday Loan?

A payday loan is a short-term loan that is meant to be repaid on your next payday. These loans are typically for small amounts, ranging from $100 to $500, and are meant to be used for emergency expenses only.

To take out a payday loan, you’ll need to provide proof of income, such as a recent pay stub, and have a valid ID. The lender will also require you to write a post-dated check for the loan amount plus fees, which will be cashed on your next payday.

What are the Fees for Payday Loans in Lochloosa?

The fees for payday loans in Lochloosa are regulated by the Florida Office of Financial Regulation. Lenders are allowed to charge a maximum fee of 10% of the loan amount, plus a $5 verification fee.

For example, if you borrow $100, the maximum fee you can be charged is $15, which includes the 10% fee and the $5 verification fee. If you borrow $500, the maximum fee you can be charged is $55.

What are the Risks of Payday Loans?

The biggest risk of taking out a payday loan is the high fees and interest rates. Because these loans are meant to be repaid quickly, the APR can be very high, ranging from 300% to 500% or more. This means that if you borrow $100, you could end up paying back $115 or more on your next payday.

Another risk is that payday loans can lead to a cycle of debt. If you’re not able to repay the loan on your next payday, the lender may offer to roll over the loan for another fee. This can lead to a cycle of debt where you keep borrowing to pay off the interest and fees on previous loans.

Interesting Facts and Statistics

  • In Florida, the average payday loan amount is $375 and the average length of a payday loan is 14 days.
  • According to a study by the Center for Responsible Lending, 83% of payday loans in Florida are taken out within two weeks of repaying a previous payday loan.
  • Florida law allows borrowers to cancel a payday loan within one business day of taking out the loan without penalty.

Apply Now for a Payday Loan

At TheGuaranteedLoans, we can help connect you with potential lenders for a payday loan in Lochloosa. Simply fill out our online application form with your information, and we’ll match you with a lender who may be able to help. Keep in mind that we’re a connector service and not a direct lender, and we’ll never charge you any fees for our services.

Before taking out any loan, it’s important to understand the terms, fees, and risks involved. By doing your research and being responsible with your borrowing, you can successfully take out a payday loan in Lochloosa when you need it.

F.A.Q.

Is it a good idea to take out a payday loan in Lochloosa, Florida to pay off another payday loan?

No, it is not a good idea to take out a payday loan in Lochloosa, Florida to pay off another payday loan. This is known as “loan stacking” and it can quickly lead to a cycle of debt that is difficult to escape. It is best to seek other options, such as a payment plan or credit counseling, to help you pay off your payday loan.

How can I find a reputable payday lender in Lochloosa, Florida?

To find a reputable payday lender in Lochloosa, Florida, you can check with the Florida Office of Financial Regulation to make sure the lender is licensed and in good standing. You can also read reviews from other customers and compare interest rates and fees from different lenders to find the best deal.