Payday Loans in Plant City, Florida

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Payday Loan Companies in Plant City, FL

Company nameAddressZip codePhone number
Advance America 109 West Alexander Street 33563 +1 (813) 719 - 6522
Advance America 109 W Alexander St 33563 +1 (813) 719 - 6522
BB&T 2318 James L Redman Pkwy 33563 +1 (813) 759 - 1240
Cash Connection 2710 Turkey Creek Rd 33566
Farm Credit of Central Florida 2301 Thonotosassa Rd 33563 +1 (813) 719 - 7341
Homeland Lending Services 2612 N Adams St 33563 +1 (813) 719 - 8512
Mariner Finance 1701 S Alexander St 112 33566 +1 (813) 719 - 1728
Mr Quick Loan 3514 W Baker St 33563 +1 (813) 262 - 1097
Railroad & Industrial Federal Credit Union 1701 W Baker St 33563 +1 (813) 621 - 6661
Raymond James 110 E Reynolds St 808 33563 +1 (813) 759 - 0547
Regions Bank 2303 Thonotosassa Rd 33563 +1 (813) 567 - 7070
Sunbelt Credit 1701 S Alexander St, Ste 112-1 33566 +1 (813) 719 - 1728
Suncoast Credit Union 1905 S Alexander St 33566 +1 (800) 999 - 5887
SunTrust Bank 308 West Alexander Street 33563 +1 (813) 359 - 5620
SunTrust Mortgage 201 W Reynolds St 33563 +1 (813) 359 - 5640
Value Pawn & Jewelry 109 W Prosser Dr 33563 +1 (813) 754 - 1070

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Plant City, FL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Pompano Beach, FL, Payday Loans in Port Charlotte, FL, Payday Loans in Port Orange, FL, Payday Loan for Port Saint Lucie, FL, Payday Loan Companies in Riverview, FL, Payday Loans in Saint Cloud, FL, Short-term Loans in Saint Petersburg, FL and No Credit Check Loans in Sanford, 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 Plant City, FL.

Beautiful sights of Plant City, FL

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

33564, 33565, 33566, 33563, 33567

Are Payday Loans Legal In Plant City, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Plant City, 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

Plant City, FL payday loan calculator

Exploring Payday Loans in Plant City, Florida

When a financial emergency arises, such as an unexpected medical bill or an overdue bill, it can often be difficult to come up with the money needed to cover the cost. For many individuals, one of the most attractive options is to take out a payday loan. Payday loans are short-term, unsecured loans designed to help you cover unexpected costs until your next pay period. If you live in Plant City, Florida, you may be wondering what your options are for payday loans.

What Are Payday Loans?

Payday loans are short-term loans with high-interest rates and fees. They are typically used when the borrower has an immediate need for cash, such as to cover an unexpected cost. The loans are due on the borrower’s next payday, or within a certain time frame. Payday loans are not long-term financial solutions, and they should only be used as a last resort.

Payday Loan Laws in Plant City, Florida

Payday loans are legal in Plant City, Florida. All payday loan lenders must adhere to the regulations set out by the state of Florida. These regulations include:

  • Maximum Loan Amount: The maximum loan amount that can be borrowed from a payday lender in Plant City, Florida, is $500.
  • Maximum Loan Term: The maximum loan term is 31 days.
  • Fees and Interest Rates: The maximum fee that can be charged by payday lenders in Plant City, Florida, is 10% of the loan amount. The maximum interest rate is 30%.
  • Payment Plans: All lenders must offer a repayment plan if the borrower cannot pay the entire loan amount in a single payment.

Benefits of Payday Loans

Payday loans can be a great option for those in need of immediate funds. The loans are easy to obtain and can be used to cover unexpected costs without having to rely on credit cards or other forms of credit. They also offer the convenience of being able to access funds quickly, often within the same day.

Drawbacks of Payday Loans

Payday loans come with several drawbacks, including high-interest rates and fees. Additionally, because they are short-term loans, they are not a long-term solution to financial problems, and they can lead to further financial distress if they are not repaid on time.

Alternatives to Payday Loans in Plant City, Florida

If you are looking for an alternative to a payday loan, there are several options available in Plant City, Florida, including:

  • Personal Loans: Personal loans can be a great alternative to payday loans, as they often have lower interest rates and fees. They are typically more difficult to obtain, but for those with good credit, they can be a more affordable option.
  • Credit Cards: Credit cards are another option for those looking for an alternative to payday loans. Credit cards usually carry lower interest rates than payday loans, and the funds can be accessed quickly. However, it is important to be aware of the risks associated with using a credit card, such as high late fees and interest rates.
  • Borrowing from Family and Friends: Borrowing money from family and friends can be a good option for those who need fast cash. However, it is important to remember to set a repayment plan and to treat the loan as a professional transaction.

Conclusion

Payday loans can be a great option for those who need fast cash to cover unexpected expenses. However, before taking out a payday loan in Plant City, Florida, it is important to understand the laws and regulations surrounding the loan, as well as the potential drawbacks. Additionally, it is important to explore the alternatives to payday loans, such as personal loans, credit cards, and borrowing from family and friends.

Apply Now

If you are looking for a payday loan in Plant City, Florida, TheGuaranteedLoans can help. We are not a lender, but we can connect you with lenders who can provide you with the fast cash you need. To apply, simply fill out the online application and one of our lenders will get back to you.

Frequently Asked Questions

Q: Are payday loans legal in Plant City, Florida?

A: Yes, payday loans are legal in Plant City, Florida. All payday loan lenders must adhere to the regulations set out by the state of Florida.

Q: What is the maximum loan amount I can borrow in Plant City, Florida?

A: The maximum loan amount that can be borrowed from a payday lender in Plant City, Florida, is $500.

Q: What is the maximum loan term?

A: The maximum loan term is 31 days.

Q: What are the fees and interest rates associated with payday loans in Plant City, Florida?

A: The maximum fee that can be charged by payday lenders in Plant City, Florida, is 10% of the loan amount. The maximum interest rate is 30%.

Q: Are there any alternatives to payday loans in Plant City, Florida?

A: Yes, there are several alternatives to payday loans, including personal loans, credit cards, and borrowing from family and friends.

More F.A.Q.

What fees and interest rates are associated with payday loans in Plant City, Florida?

Payday loans in Plant City, Florida are subject to a one-time finance charge of 10% of the loan amount and an annual percentage rate (APR) of up to 300%.

Are there any restrictions on the number of payday loans I can have at one time in Plant City, Florida?

Yes, Florida state law prohibits borrowers from having more than one outstanding payday loan at a time.

How Many Cash Advance Companies are in Plant City, FL?

With the help of our service, you will be able to find 16 cash advance companies in Plant City, FL

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

You should check Advance America, BB&T, and Cash Connection. Also, you can start your application online on our website.