Payday Loans in Melbourne, Florida

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Payday Loan Companies in Melbourne, FL

Company nameAddressZip codePhone number
Advance America 2265 W New Haven Ave 32904 +1 (321) 728 - 2388
Advance America 3072 Lake Washington Rd 32934 +1 (321) 751 - 6505
Beachside Pawn & Jewelry 800 E Eau Gallie Blvd 32937 +1 (321) 777 - 7296
Check 'n Go 1270 N Wickham Rd 32935 +1 (321) 242 - 2881
Check Cashing 3150 S Babcock St # J 32901 +1 (321) 725 - 4447
Checks 2 Dinero 765 N Wickham Rd 106 32935 +1 (321) 428 - 4441
Community Credit Union of Florida-Palm Bay 1325 Palm Bay Rd NE 32905 +1 (321) 690 - 2328
E Z Payday Inc 3150 S Babcock St 32901 +1 (321) 725 - 0646
Embrace Home Loans - Viera, FL 5500 Murrell Rd 201 32940 +1 (855) 612 - 9398
Florida Business Bank 340 N Harbor City Blvd 32935 +1 (321) 253 - 1555
Florida Cash & Finance Inc 401 N Wickham Rd # D 32935 +1 (321) 259 - 9360
Florida Cash Express - West Melbourne 2994 W New Haven Ave 32904 +1 (321) 676 - 4044
Merchant E Solutions 32904 +1 (321) 952 - 2002
Money Tree of Melbourne 2527 S Harbor City Blvd 32901 +1 (321) 724 - 1910
Nicholas Financial Inc 2401 W Eau Gallie Blvd # 4 32935 +1 (321) 752 - 0955
Nicholas Financial Inc 2401 Eau Gallie Blvd 4 32935 +1 (321) 752 - 0955
Raymond James Financial Services 8085 Spyglass Hill Rd 32940 +1 (321) 723 - 3352
Shelter Mortgage 7341 Office Park Pl 106 32940 +1 (321) 757 - 6600
Southern Capital Corporation 1866 Aurora Rd 32935 +1 (321) 254 - 3197
Space Coast Credit Union 139 Palm Bay Rd NE 32904 +1 (321) 752 - 2222
Speedy Bad Credit Loans 2004 Helen St 32901 +1 (772) 362 - 1064
SunTrust 8226 N Wickham Rd 32940 +1 (321) 426 - 9606
SunTrust Mortgage 1800 W Hibiscus Blvd 32901 +1 (321) 952 - 3302
TIAA Financial Services 6767 N Wickham Rd Suite 400-D 32940 +1 (866) 220 - 6583

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Melbourne, FL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Without a Credit Check in Merritt Island, FL, Payday Loans in Miami, FL, Payday Loans in Miami Beach, FL, Short-term Loans in Navarre, FL, Payday Loans in North Fort Myers, FL, Emergency Loan in North Miami Beach, FL, Online Loans in North Port, FL and Payday Loans in Ocala, 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 Melbourne, FL.

Beautiful sights of Melbourne, FL

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

32919, 32936, 32941, 32935, 32940, 32904, 32934, 32912, 32902, 32901

Are Payday Loans Legal In Melbourne, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Melbourne, 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

Melbourne, FL payday loan calculator

Introduction to Payday Loans in Melbourne, Florida

Payday loans, also known as cash advances, are small loans that are offered to help individuals cover short-term financial needs. They are often used to cover small expenses until the borrower’s next paycheck arrives, and can help to prevent significant financial setbacks. Fortunately, payday loans are legal in Florida, including in the city of Melbourne.

How Do Payday Loans Work?

When you take out a payday loan, you are typically required to provide a post-dated check to the lender, which includes both the total loan amount and the interest charges. You are then given the money up front, and the lender can then deposit the check on the day of your next paycheck. Depending on the lender and the loan terms, you may also be able to make additional payments on the loan, which could help you to reduce the overall interest charges that you need to pay.

Payday Loan Requirements in Melbourne, Florida

In order to take out a payday loan in Melbourne, you must meet the same requirements that are set for individuals taking out loans in the rest of the state of Florida. This means that you must be at least 18 years of age, and you must have a valid government ID and bank account. Additionally, you must provide proof of your income and employment status.

Payday Loan Limits in Melbourne, Florida

In terms of the loan limits, there is no maximum amount of money that you could borrow when taking out a payday loan in Melbourne, Florida. However, the total amount will generally be determined by your income and creditworthiness. It is important to note that Florida has a limit on the sum of interest that can be charged on a loan, which is 10%.

Benefits of Payday Loans in Melbourne

When considering whether or not to take out a payday loan in Melbourne, there are numerous benefits that you should keep in mind. First of all, the process of taking out a payday loan is much simpler than taking out a traditional loan because you do not need to provide the same level of financial information. Additionally, the loan can be processed quickly, meaning that you could have the funds that you need in a matter of days.

Drawbacks of Payday Loans in Melbourne

It is important to keep in mind that there are also some drawbacks to taking out a payday loan in Melbourne. The biggest drawback is that the interest rate is generally very high, meaning that you could end up paying back much more than you originally borrowed. Additionally, if you fail to make your payments on time, the lender could deposit your post-dated check, which could lead to bank fees or other financial implications.

How to Apply for a Payday Loan in Melbourne

If you are in need of a payday loan in Melbourne, the first step is to find a reputable lender. The best way to do this is to research the different lenders in the area, and compare the different interest rates, loan amounts, and repayment terms that they offer. Once you have chosen a lender, you can then fill out an application form, which will require you to provide your personal information, employment information, and bank account information.

F.A.Q. Section

What documents do I need to provide when applying for a payday loan in Melbourne?

When applying for a payday loan in Melbourne, you will need to provide a valid ID and proof of income, such as a recent pay stub. You may also need to provide proof of residence, such as a utility bill.

Are payday loans legal in Melbourne, Florida?

Yes, payday loans are legal in Melbourne, Florida.

How quickly can I get a payday loan in Melbourne?

The amount of time that it takes to get a payday loan in Melbourne depends on the lender and the application process. However, most lenders can process the loan quickly, meaning that you could receive the funds that you need within a few days.

What is the maximum amount that I can borrow when taking out a payday loan in Melbourne?

There is no maximum limit when it comes to taking out a payday loan in Melbourne. The loan amount will typically be determined by your income and creditworthiness.

Conclusion

Payday loans can be a great option for individuals who need quick access to funds in Melbourne, Florida. However, it is important to understand the requirements and the associated costs before applying for the loan. If you are considering taking out a payday loan in Melbourne, be sure to research the different lenders, compare their terms and interest rates, and make sure that you can afford to repay the loan in a timely manner.

More F.A.Q.

What information do I need to provide to apply for a payday loan in Melbourne, Florida?

To apply for a payday loan in Melbourne, Florida, you will typically need to provide proof of your income and employment, as well as your bank account and contact information. You may also be required to provide identification documents such as a driver's license or social security card.

How do I repay a payday loan in Melbourne, Florida?

Most payday lenders in Melbourne, Florida will automatically withdraw the loan amount and any fees and interest charges from your bank account on the agreed upon due date. You can also make payments in person at the lender's location, or in some cases, through a mail-in payment.

How Many Cash Advance Companies are in Melbourne, FL?

With the help of our service, you will be able to find 24 cash advance companies in Melbourne, FL

What Cash Advance Companies in Melbourne, FL are the most popular?

You should check Advance America, Nicholas Financial Inc, and Beachside Pawn & Jewelry. Also, you can start your application online on our website.