Payday Loans in Palmdale, Florida

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

Company nameAddressZip codePhone number
The Check Cashing Store 1990 N Military Trl B, West Palm Beach, FL 33409 +1 (561) 683 - 2822
Bank of America with Drive-thru services 10715 US-441, Leesburg, FL 34788 +1 (352) 742 - 0208
Global Mart 320 Hibiscus St, Jupiter, FL 33458 +1 (561) 575 - 2337
Trustmark 16234 US-331 S, Freeport, FL 32439 +1 (850) 835 - 3335
Community Bank of the South 277 N Sykes Creek Pkwy, Merritt Island, FL 32953 +1 (321) 452 - 0420
Amscot - The Money Superstore 10267 Big Bend Rd, Riverview, FL 33578 +1 (813) 677 - 9150
PeoplesSouth Bank 4192 Bryan St, Greenwood, FL 32443 +1 (850) 594 - 4151
Bank of America with Drive-thru ATM 5780 20th St, Vero Beach, FL 32966 +1 (772) 564 - 8181
Trustmark 114 S Tyndall Pkwy, Panama City, FL 32404 +1 (850) 769 - 3838
BB&T 1300 Palm Coast Pkwy SW, Palm Coast, FL 32137 +1 (386) 246 - 5166

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Palmdale, FL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Tampa, FL, Payday Loans in The Villages, FL, Same Day Loans in Titusville, FL, Bad Credit Loans in Valrico, FL, Payday Loans in Wesley Chapel, FL, Guaranteed Loans in West Palm Beach, FL, Payday Loan Companies in Winter Garden, FL and Payday Loans in Winter Haven, 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 Palmdale, FL.

Beautiful sights of Palmdale, FL

Are Payday Loans Legal In Palmdale, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Palmdale, 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

Palmdale, FL payday loan calculator

Understanding Payday Loans in Palmdale, Florida

Payday loans are short-term loans that are designed to help borrowers make ends meet until their next payday. They are typically small loans, with amounts ranging from $100 to $500, and are meant to be repaid in full on the borrower’s next payday, which is usually within two to four weeks. In the state of Florida, payday loans are legal, which means that borrowers have access to this type of loan if they need it.

How Payday Loans Work

Payday loans work differently from traditional loans. Instead of assessing a borrower’s creditworthiness and ability to repay the loan, payday lenders focus on the borrower’s income and employment status. In general, borrowers need to have a steady source of income, such as a job, as well as an active checking account to qualify for a payday loan. Additionally, borrowers need to be at least 18 years old and a legal resident of the United States.

In Palmdale, Florida, payday lenders can charge up to 10% of the loan amount as a fee, with a maximum fee of $5. This means that if a borrower takes out a $100 loan, they will be charged a fee of $10. The actual interest rate on payday loans can vary depending on the lender and the loan terms, but it is generally higher than traditional loans. In fact, the average annual percentage rate (APR) on a payday loan in Florida is about 300%. It’s important for borrowers to read the terms and conditions of the loan agreement carefully before signing on the dotted line.

The Pros and Cons of Payday Loans

Like any financial product, there are pros and cons to payday loans. One advantage of payday loans is that they are easy to obtain and can be a helpful way to cover unexpected expenses, such as car repairs or medical bills. Additionally, payday loans are typically processed quickly, often within the same day that the borrower applies for the loan.

On the other hand, payday loans can be expensive. The high interest rates and fees associated with payday loans can make them difficult to repay, especially for borrowers who are already struggling financially. Additionally, payday loans can lead to a cycle of debt, where borrowers take out one loan to pay off another, leading to a cycle of borrowing and debt.

Understanding the Risks of Payday Loans

It’s important for borrowers to understand the risks associated with payday loans. Although payday loans can offer quick access to cash, they can also lead to a cycle of debt that can be difficult to break. Additionally, payday loans can be a risky financial product for borrowers who are already struggling financially.

One of the biggest risks of payday loans is the high interest rates and fees. Borrowers who are unable to repay their loans on time may be subject to additional fees and interest charges, making it even more difficult to get out of debt. Additionally, payday loans can harm a borrower’s credit score if they are unable to repay the loan.

Apply Now

If you are in Palmdale, Florida and you need a payday loan, TheGuaranteedLoans can help connect you with potential lenders. Please note that we are not a direct lender, but rather a connector service that works with a network of reputable lenders. To get started, simply fill out our online application. Once you submit your application, we will match you with potential lenders who may be able to provide you with a loan. The application process is quick and easy, and you can get started today.

Interesting Facts About Payday Loans in Palmdale, Florida

  • The average loan amount for a payday loan in Palmdale, Florida is $375.
  • In 2019, payday lenders in Florida made over 7 million loans.
  • The average APR on a payday loan in Florida is 300%.
  • Florida law prohibits lenders from lending more than $500 to a borrower at one time.

There you have it, a comprehensive guide to payday loans in Palmdale, Florida. Remember, while payday loans can be a helpful way to cover unexpected expenses, they can also be risky. It’s important to read the terms and conditions of the loan agreement carefully before signing on the dotted line. If you need a payday loan, consider reaching out to TheGuaranteedLoans to help connect you with potential lenders.

F.A.Q.

Can payday lenders contact me at work in Palmdale, Florida?

Yes, payday lenders in Palmdale, Florida are allowed to contact you at work to collect on a defaulted loan. However, they are not allowed to harass or abuse you in any way, and they must stop contacting you at work if you request it.

Can I get a payday loan in Palmdale, Florida if I have bad credit?

Yes, payday loans in Palmdale, Florida are typically available to borrowers with bad credit. However, the lender may still perform a credit check and may require you to provide proof of income or other financial information.