Payday Loans in McIntosh, Florida

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

Company nameAddressZip codePhone number
Fast Loans, Inc. 455 Southwest 8th Street, Miami, FL 33130 +1 (702) 200 - 3104
Liberty Capital Group, Inc. 7950 NW 53rd St 337, Miami, FL 33166 +1 (888) 588 - 4128
Bank of America with Drive-thru services 3200 Flagler Ave, Key West, FL 33040 +1 (305) 294 - 9593
All In Credit Union 200 Mack Bayou Rd, Santa Rosa Beach, FL 32459 +1 (850) 267 - 2163
Lorna's Finance Central 921 E Parker St, Lakeland, FL 33801 +1 (863) 686 - 9999
Eglin Federal Credit Union 180 Main St, Destin, FL 32541 +1 (850) 862 - 0111
ACE Cash Express 11059 W Colonial Dr, Ocoee, FL 34761 +1 (407) 656 - 9366
Advance America 10347 Bonita Beach Rd SE #110, Bonita Springs, FL 34135 +1 (239) 949 - 2090
Fifth Third Bank & ATM 9021 Bonita Beach Rd SE, Bonita Springs, FL 34135 +1 (239) 949 - 6300
Lynx Financial Services 4800 N Federal Hwy, Boca Raton, FL 33431 +1 (561) 447 - 9919

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in McIntosh, FL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for Homestead, FL, Payday Loans in Jacksonville, FL, Payday Loans in Jupiter, FL, Guaranteed Loans in Kissimmee, FL, Payday Loans in Lake Worth, FL, Payday Loans in Lakeland, FL, Payday Loans in Land O' Lakes, FL and Payday Loans in Largo, 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 McIntosh, FL.

Beautiful sights of McIntosh, FL

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

32664

Are Payday Loans Legal In McIntosh, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in McIntosh, 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

McIntosh, FL payday loan calculator

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

Payday loans are a type of short-term loan that’s designed to help people meet their financial needs until their next paycheck. While payday loans have become increasingly popular in the United States, they aren’t without controversy. In this article, we’ll take a closer look at payday loans in McIntosh, Florida, including how they work, the types of loans available, the regulations in place, and more.

What are Payday Loans?

Payday loans are short-term loans that typically have to be paid back in a few weeks. These loans are designed to help people cover unexpected expenses like car repairs or medical bills. The amount you can borrow will vary depending on your income and other factors, but most payday loans range from $100 to $1,000.

The main advantage of payday loans is that they are easy to get, even if you have bad credit. Unlike traditional loans, payday lenders typically don’t require a credit check or collateral. Instead, they base their decision on your income and the amount you want to borrow.

The Types of Payday Loans Available in McIntosh, Florida

There are two types of payday loans available in McIntosh, Florida: in-store loans and online loans.

In-store loans are obtained by visiting a local payday loan store in person. The process is usually quick and straightforward, and you can get the money you need on the same day.

Online loans, on the other hand, are obtained by applying online through a lender’s website. Once you submit your application, the lender will review your information and decide whether or not to approve your loan. If you’re approved, the money will be deposited into your bank account within one business day.

The Regulations in Place

While payday loans are legal in Florida, there are several regulations in place to protect borrowers. According to Florida law, payday lenders can charge a maximum of 10% interest on loans up to $500, and 8% interest on loans between $500 and $1,000. The maximum loan amount is $1,000, and borrowers are limited to one loan at a time.

Payday lenders are also required to provide borrowers with a written agreement that outlines the terms and conditions of the loan, including the interest rate, fees, and repayment schedule. Additionally, lenders must provide consumers with a 24-hour cooling-off period, during which they can cancel the loan without penalty.

The Pros and Cons of Payday Loans

While payday loans can be a useful tool for people who need cash quickly, they do come with some risks. Here are some of the pros and cons of payday loans:

Pros:

  • Easy to get, even with bad credit
  • Quick approval and funding
  • No collateral required

Cons:

  • High interest rates and fees
  • Can lead to a cycle of debt
  • May not be able to borrow as much as you need

Interesting Facts and Statistics about Payday Loans in McIntosh, Florida

  • Florida is one of 27 states that allow payday lending.
  • According to the Center for Responsible Lending, Florida payday lenders take in over $300 million in fees annually.
  • In 2018, Florida lawmakers passed a bill that would increase the maximum loan amount from $500 to $1,000, but the bill was ultimately vetoed by Governor Rick Scott.

Apply Now

If you’re in need of a payday loan in McIntosh, Florida, TheGuaranteedLoans can help. We are a connector service that matches borrowers with potential lenders. Fill out our online application today to get started. Remember, we’re here to help you get the money you need, but it’s important to borrow responsibly and only what you can afford to pay back.

F.A.Q.

What should I do if I am having trouble repaying my payday loan in McIntosh, Florida?

If you are having trouble repaying your payday loan in McIntosh, Florida, you should contact your lender as soon as possible to discuss your options. You may be able to negotiate a payment plan or seek assistance from a credit counseling agency.

Can I extend or renew my payday loan in McIntosh, Florida?

No, in McIntosh, Florida, payday loans cannot be extended or renewed. Borrowers are required to repay the full loan amount, plus interest and fees, by the agreed upon due date.