Payday Loans in Saint James City, Florida

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No payday loan companies in Saint James City, FL. Consider companies in other cities:

Company nameAddressZip codePhone number
Wells Fargo Bank 5606 Fishhawk Crossing Blvd, Lithia, FL 33547 +1 (813) 685 - 4196
ACE Cash Express 2973 W 12th Ave, Hialeah, FL 33012 +1 (305) 885 - 2274
Bank of America with Drive-thru ATM 5101 Golden Gate Pkwy, Naples, FL 34116 +1 (239) 352 - 0095
Fast Payday Loans, Inc. 2002 S Monroe St, Tallahassee, FL 32301 +1 (850) 878 - 9900
Check On Hold 2250 S Nova Rd, Daytona Beach, FL 32119 +1 (386) 788 - 4060
Cash Kwik Inc 1184 Havendale Blvd NW 1360, Winter Haven, FL 33881 +1 (863) 299 - 2980
Drummond Community Bank 1627 N Young Blvd, Chiefland, FL 32626 +1 (352) 493 - 2277
UBS Financial Services Inc. 295 1st St S, Winter Haven, FL 33880 +1 (888) 498 - 6445
Regions Bank 1248 Eglin Pkwy, Shalimar, FL 32579 +1 (850) 609 - 0121
Wells Fargo Bank 1090 N Collier Blvd, Marco Island, FL 34145 +1 (239) 389 - 3000

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Saint James City, FL, you can try to find different companies in big cities near by. Check out the following pages here: Same Day Loans in Plant City, FL, Payday Loans in Pompano Beach, FL, Bad Credit Loans in Port Charlotte, FL, Payday Loan Companies in Port Orange, FL, 24-Hour Loan in Port Saint Lucie, FL, Same Day Loans in Riverview, FL, Quick Loan in Saint Cloud, FL and Quick Loan in Saint Petersburg, 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 Saint James City, FL.

Beautiful sights of Saint James City, FL

Are Payday Loans Legal In Saint James City, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Saint James 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

Saint James City, FL payday loan calculator

Payday loans are a type of short-term loan that can be valuable in times of unexpected financial hardship. These loans have become increasingly more popular over the years, and they are generally much easier to obtain than traditional loans offered by banks and other lending institutions.

The Benefits of Payday Loans in Saint James City, Florida

As previously mentioned, payday loans can be a great option for people who need cash quickly and cannot get approved for a traditional bank loan. Here are some of the benefits of payday loans in Saint James City, Florida:

  • Easy access to funds
  • No credit check required
  • No collateral needed
  • Quick and simple application process
  • Fast approval and funding

These advantages have made payday loans a popular choice for individuals who need cash fast and do not have the credit score or collateral to secure a traditional loan.

The Legality of Payday Loans in Florida

Payday loans are legal in Florida, and there are many lenders who offer these loans to people in need of financial help. It is important to note that there are regulations in place to protect borrowers from unscrupulous lenders. The maximum amount a borrower can receive for a payday loan in Florida is $500, and the loan term cannot exceed 31 days. Additionally, there are restrictions on the fees and interest rates that lenders can charge borrowers. If you plan to apply for a payday loan in Saint James City, Florida, be sure to research the lender’s reputation and ensure they are licensed and comply with Florida’s laws and regulations.

Applying for a Payday Loan in Saint James City, Florida

If you are facing a financial emergency and need cash quickly, the process of applying for a payday loan in Saint James City, Florida is straightforward. You can apply online or in person at a payday loan lender’s physical location. The application typically requires basic personal information, such as your name, address, and employment status. Unlike traditional loans, you do not need to provide extensive documentation, and you can have the funds within hours of approval. However, it is important to remember that payday loans typically come with high interest rates and fees, which can leave borrowers in a cycle of debt if they are not careful.

Interesting Facts and Statistics about Payday Loans in Saint James City, Florida

Here are some verified facts and statistics about payday loans in Saint James City, Florida:

  • Payday lending in Florida generated over $312 million in fees for lenders in 2016.
  • The average APR for a payday loan in Florida is 304 percent.
  • Florida has some of the most lenient payday lending laws in the United States.
  • In 2015, 1.8 million payday loans were issued in Florida, which was more than double the number of loans issued in 2005.
  • The average payday loan amount in Florida is $392.
  • Payday loan borrowers in Florida are typically low-income individuals who cannot access traditional loans from banks and other lending institutions.

Apply Now for a Payday Loan in Saint James City, Florida

If you are facing a financial emergency and need cash fast, consider applying for a payday loan in Saint James City, Florida. At TheGuaranteedLoans, we offer an online application process that is fast and easy to complete. We are not a direct lender, but our website connects borrowers with potential lenders who can offer them the funds they need. Click the apply now button to get started, and one of our dedicated specialists will be in touch to help you through the process.

F.A.Q.

Can payday lenders garnish my wages in Saint James City, Florida?

Yes, if you default on your payday loan in Saint James City, Florida, the lender may be able to garnish your wages to recover the unpaid loan amount. However, there are limits on the amount that can be garnished, and the lender must first obtain a court order.

Can payday lenders take legal action against me in Saint James City, Florida?

Yes, if you default on your payday loan in Saint James City, Florida, the lender may be able to take legal action against you to recover the unpaid loan amount. This could include filing a lawsuit against you or obtaining a judgment against you.