Payday Loans in Oxford, Florida

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

Company nameAddressZip codePhone number
American Mortgage Loan Services, LLC 330 5th Ave 100, Indialantic, FL 32903 +1 (321) 723 - 6206
Nicholas Financial Inc 4350 Fowler St 3, Fort Myers, FL 33901 +1 (239) 936 - 1999
Wells Fargo Bank 4319 Commercial Way, Spring Hill, FL 34606 +1 (352) 597 - 4775
Check On Hold 745 Orienta Ave, Altamonte Springs, FL 32701 +1 (866) 284 - 4456
Integrated Financing Solutions 32 S J St, Lake Worth, FL 33460 +1 (561) 533 - 6606
Payday Loans Miami Beach 742, Miami Beach Boardwalk, Miami Beach, FL 33140
Raymond James Financial Services 2750 Stickney Point Rd STE 201, Sarasota, FL 34231 +1 (941) 925 - 0045
Advance America 3679 S Orlando Dr, Sanford, FL 32773 +1 (407) 323 - 1106
Consumer Discount Co 955 Orange Ave 160, Daytona Beach, FL 32114 +1 (386) 258 - 7539
Advance America 5023 Crawfordville Rd Ste. 3, Tallahassee, FL 32305 +1 (850) 878 - 0696

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Oxford, FL, you can try to find different companies in big cities near by. Check out the following pages here: Guaranteed Loans in Jupiter, FL, Bad Credit Loans in Kissimmee, FL, Guaranteed Loans in Lake Worth, FL, Short-term Loans in Lakeland, FL, Emergency Loan in Land O' Lakes, FL, Payday Loans in Largo, FL, Payday Loans in Lehigh Acres, FL and Payday Loan Without a Credit Check in Melbourne, 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 Oxford, FL.

Beautiful sights of Oxford, FL

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

34484

Are Payday Loans Legal In Oxford, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Oxford, 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

Oxford, FL payday loan calculator

Everything You Need to Know About Payday Loans in Oxford, Florida

If you’re facing financial hardships and struggling to make ends meet, you may have considered payday loans as a short-term solution. Payday loans are a popular form of credit for people in Oxford, Florida, and for a good reason. However, there’s plenty to learn before applying for a payday loan. This article will take you through everything you need to know about payday loans in Oxford, Florida, so you can make an informed decision.

What is a Payday Loan?

Before diving into specifics about payday loans in Oxford, Florida, let’s first define what a payday loan is. A payday loan is essentially a small, short-term loan that a borrower takes out with the understanding that the loan will be paid back in full, plus interest and fees, on their next payday. Payday loans are usually for small amounts, anywhere from $100 up to $1,000, and the loans are typically unsecured, meaning there is no collateral required.

Are Payday Loans Legal in Florida?

Yes! Payday loans are legal in the state of Florida, including Oxford. There are state regulations in place, however, to protect borrowers from predatory lending practices. According to Florida state law, the maximum amount one can borrow with a payday loan is $500, and borrowers have up to 31 days to pay it back.

How Do Payday Loans Work?

The process of applying for and receiving a payday loan is relatively straightforward. The borrower typically writes a post-dated check for the amount borrowed plus interest and fees, and the lender gives the borrower cash in exchange. The check is cashed on the borrower’s next payday, allowing the lender to collect the amount owed.

The Pros and Cons of Payday Loans

Payday loans have both pros and cons, and understanding them can help you make an informed decision. The pros of payday loans include the ease of access to quick cash, no credit check required, and simple application process. On the flip side, payday loans come with high-interest rates and fees, leading to a cycle of debt if not paid back on time.

Applying for a Payday Loan in Oxford, Florida

If you’ve decided that a payday loan is right for you, the next step is to apply. There are many lenders in Oxford, Florida, that offer payday loans either online or in person. It’s essential to do your research to find a reputable lender with transparent terms and conditions.

Interesting facts or statistics about Payday loans in Oxford, Florida:

  • Florida has the second-highest number of payday lenders in the United States.
  • In 2019, over 7 million payday loans were taken out in Florida, totaling over $3 billion in borrowed funds.
  • The average APR on a payday loan in Florida is 304%, which is significantly higher than the national average of 391%.

Apply Now with TheGuaranteedLoans

If you’re interested in applying for a payday loan in Oxford, Florida, consider using TheGuaranteedLoans. We’re a connector service that partners with multiple lenders to help you find the right loan for your needs. Our online application process is simple, and you’ll receive a decision quickly. Keep in mind that we aren’t a direct lender, and the terms and conditions of your loan will be determined by the lender we connect you with.

In conclusion, payday loans can be a helpful solution for those facing short-term financial difficulties. If you’ve decided that a payday loan is right for you, be sure to do your research, understand the terms and conditions, and read the fine print before signing loan documents. By following these strategies, you can take advantage of payday loans and enjoy peace of mind knowing that you’ve made an informed decision.

F.A.Q.

Are there any protections for borrowers in Oxford, Florida who take out payday loans?

Yes, under Florida law, payday lenders are required to provide borrowers with a written loan agreement and a 30-day cooling-off period before they can take out a second loan.

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

If you are having trouble repaying your payday loan in Oxford, 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.