Payday Loans in Ochopee, Florida

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

Company nameAddressZip codePhone number
Advance America 3679 S Orlando Dr, Sanford, FL 32773 +1 (407) 323 - 1106
EMM Loans LLC - The Delbro Team 14497 N Dale Mabry Hwy 201, Tampa, FL 33618 +1 (813) 330 - 7939
Walmart Money Center 1226 US-331, Defuniak Springs, FL 32435 +1 (850) 892 - 3138
Money Street Mortgage, LLC 31119 US Hwy 19 N Ste 1, Palm Harbor, FL 34684 +1 (727) 274 - 9188
Advance America 11485 S Cleveland Ave #2, Fort Myers, FL 33907 +1 (239) 931 - 9837
Suncoast Credit Union 1837 Collier Pkwy, Lutz, FL 33549 +1 (800) 999 - 5887
SunTrust Bank 5435 Gall Blvd, Zephyrhills, FL 33540 +1 (813) 780 - 4141
Advance America 451 & 453, Plaza Dr, Eustis, FL 32726 +1 (352) 589 - 0553
SunTrust 102 E Central Ave, Lake Wales, FL 33853 +1 (863) 589 - 0961
Walmart Money Center 2725 SE Carlstrom Field Rd, Arcadia, FL 34266

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Ochopee, 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 Lake Worth, FL, Emergency Loan in Lakeland, FL, Short-term Loans in Land O' Lakes, FL, Payday Loans in Largo, FL, Payday Loans in Lehigh Acres, FL, Payday Loans in Melbourne, FL, Payday Loans in Merritt Island, FL and No Credit Check Loans in Miami, 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 Ochopee, FL.

Beautiful sights of Ochopee, FL

Are Payday Loans Legal In Ochopee, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Ochopee, 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

Ochopee, FL payday loan calculator

Payday loans have become a popular solution for people who are in financial need. They offer a quick and easy way to get cash without having to go through all of the hassle and paperwork involved in traditional lending. In the state of Florida, payday loans are legal, and in Ochopee, you can find a variety of lenders that offer this type of loan.

What is a Payday Loan?

A payday loan is a short-term cash loan that you can borrow against your next paycheck. These loans are usually for small amounts, typically between $50 to $1000, and are meant to be paid back within a few weeks. The lenders will require you to show proof of income, such as a pay stub, and will also need to see your identification. They do not usually require a credit check, which makes them an attractive option for people who have poor credit scores or no credit history at all.

How to Qualify for a Payday Loan

To qualify for a payday loan in Ochopee, you need to be at least 18 years old and have a regular source of income. You will also need a checking account and a valid ID. The lender will also want to know your social security number. Different lenders may have different requirements, so it is important to check with each one to see what their specific requirements are.

What are the Terms of a Payday Loan?

The terms of a payday loan in Ochopee will vary depending on the lender. The interest rates on these loans can be very high, with some lenders charging as much as 400% APR. These loans are meant to be repaid within a few weeks, usually by the borrower’s next payday. If the borrower is unable to pay off the loan within the agreed-upon terms, they may be allowed to roll over the loan, which means they will incur additional fees and interest.

Benefits of a Payday Loan

  • Easy and convenient to obtain
  • No credit check required
  • Can help with unexpected expenses
  • Can help improve credit score if payments are made on time

Drawbacks of a Payday Loan

  • High interest rates and fees
  • Short repayment terms can lead to financial difficulty
  • Can lead to a cycle of debt if not paid off on time

Interesting Facts and Statistics

  • As of January 2020, there are 1,070 licensed payday lenders in the state of Florida.
  • The average payday loan in Florida is $399, with an average APR of 304%.
  • The total amount of payday loans taken out in Florida in 2019 was $3.08 billion.

Apply Now

If you are in need of a payday loan in Ochopee, you can fill out an online application on our website. TheGuaranteedLoans is a connector service, which means we will facilitate your connection with potential lenders. We do not directly lend money, but we can help you find a lender that meets your needs. Our application process is quick and easy, and most borrowers receive their funds within one business day.

Remember, a payday loan can be a useful tool for managing unexpected expenses, but it is important to use them responsibly. Make sure you understand the terms of your loan and that you can repay it on time. If used correctly, a payday loan can help you get through a difficult financial situation.

F.A.Q.

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

If you are having trouble repaying your payday loan in Ochopee, 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 Ochopee, Florida?

No, in Ochopee, 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.