Payday Loans in Morriston, Florida

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

Company nameAddressZip codePhone number
Fast Payday Loans, Inc. 5235 Normandy Blvd b, Jacksonville, FL 32205 +1 (904) 786 - 4286
Bank of America with Drive-thru ATM 4500 E Hwy 20, Niceville, FL 32578 +1 (850) 897 - 1528
Same Day Payday Loans 2864 Polana St, Orlando, FL 32835 +1 (407) 606 - 7678
BB&T 20280 Grande Oak Shoppes Blvd, Estero, FL 33928 +1 (239) 390 - 5200
SunTrust Bank 253 N Orlando Ave, Maitland, FL 32751 +1 (407) 618 - 1235
Centennial Bank 1229 Simonton St, Key West, FL 33040 +1 (305) 676 - 3141
Raymond James & Associates 2101 SE US Hwy 19, Crystal River, FL 34429 +1 (352) 795 - 6155
Advance America 6231 US-90 8, Milton, FL 32570 +1 (850) 626 - 7024
Cash America Pawn 1544 3rd St SW, Winter Haven, FL 33880 +1 (863) 294 - 8424
Florida Credit Union 583 W Duval St, Lake City, FL 32055 +1 (386) 755 - 4141

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Morriston, FL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Bradenton, FL, Online Loans in Brandon, FL, Payday Loans in Cape Coral, FL, Emergency Loan in Clearwater, FL, Short-term Loans in Clermont, FL, Payday Loans in Daytona Beach, FL, Payday Loan for Deerfield Beach, FL and Payday Loans in Deland, 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 Morriston, FL.

Beautiful sights of Morriston, FL

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

32668

Are Payday Loans Legal In Morriston, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Morriston, 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

Morriston, FL payday loan calculator

Payday Loans in Morriston, Florida

Life is full of surprises, and sometimes these surprises come with unexpected expenses. Whether it’s a medical emergency, car repairs, or a utility bill that’s due, it can be challenging to come up with the funds you need on short notice. This is where payday loans come in handy.

In Morriston, Florida, payday loans are legal, and many residents rely on them to cover unexpected costs. In this article, we’ll explore what payday loans are, how they work, and the benefits and risks of taking one out. We’ll also share some tips for finding a reputable lender and getting the most out of your payday loan.

What are Payday Loans?

A payday loan is a short-term loan typically used to cover unexpected expenses or emergencies. They’re often referred to as “cash advances” because they’re designed to be paid back quickly, usually within two weeks or by your next payday.

To get a payday loan, you’ll need to provide proof of income and a postdated check or authorization to withdraw funds from your bank account. The amount you can borrow depends on your income and the state you live in. In Florida, payday loan amounts can’t exceed $500, and the loan term can’t be longer than 31 days.

How do Payday Loans Work?

When you take out a payday loan, you’ll typically pay a fee based on the amount you borrow. For example, if you borrow $100, you might pay a fee of $10 to $30. This fee is due along with the loan amount when you receive your next paycheck or within the loan term, whichever comes first.

If you can’t pay back the loan in full by the due date, some lenders might allow you to roll it over for another fee. However, this can be dangerous as it can cause the amount you owe to accumulate quickly and lead to a debt cycle that’s hard to break.

The Benefits and Risks of Payday Loans

Like any financial product, payday loans come with both benefits and risks. The main benefits of payday loans are that they’re convenient, easy to qualify for, and don’t require a credit check. This can be helpful if you have poor or no credit history.

However, payday loans also come with some significant risks. The main risk is that they come with high fees and interest rates that can make them difficult to repay. This can lead to a debt cycle that’s hard to break and can have long-lasting financial consequences.

Finding a Reputable Lender

If you’re considering taking out a payday loan in Morriston, Florida, it’s essential to find a reputable lender. Look for lenders that are licensed and regulated by the Florida Office of Financial Regulation, and read online reviews to learn about other borrowers’ experiences.

You should also compare fees and interest rates from different lenders to find the best deal. Avoid lenders that charge excessive fees or interest rates, and always read the loan agreement carefully before signing.

Getting the Most Out of Your Payday Loan

To get the most out of your payday loan, it’s essential to use it responsibly. Only borrow what you need and can afford to repay, and always have a plan for repaying the loan on time. If possible, pay it back early to save on fees and interest.

You should also avoid rolling over the loan or taking out a new loan to repay the old one. This can lead to a debt cycle that’s hard to break and can have long-lasting financial consequences.

Interesting Facts and Statistics about Payday Loans in Morriston, Florida

  • In 2019, Florida borrowers took out over 7.7 million payday loans worth $3.1 billion.
  • The average payday loan in Florida is $375.
  • Florida law requires payday lenders to provide borrowers with a 24-hour “cooling-off” period before they can take out a new payday loan.
  • Over 80% of payday loans in Florida are rolled over or followed by another loan within two weeks.

Apply Now

If you’re in need of a payday loan in Morriston, Florida, TheGuaranteedLoans can help. We’re a connector service that works with a network of reputable lenders to help you find the right loan for your needs. Fill out our online application today to get started.

Please note that TheGuaranteedLoans is not a direct lender and does not provide payday loans. Instead, we facilitate your connection with potential lenders who can provide the loan you need.

Remember to use payday loans responsibly and only borrow what you can afford to repay. With careful planning and responsible borrowing, a payday loan can be a helpful tool for managing unexpected expenses in Morriston, Florida.

F.A.Q.

What should I do if I feel that a payday lender in Morriston, Florida has treated me unfairly?

If you feel that a payday lender in Morriston, Florida has treated you unfairly, you can file a complaint with the Florida Office of Financial Regulation. You can also seek assistance from a nonprofit credit counseling agency or a consumer protection agency to help you resolve the issue.

Are payday loans legal in Morriston, Florida?

Yes, payday loans are legal in Morriston, Florida and are regulated by the Florida Office of Financial Regulation.