Payday Loans in Saint Petersburg, Florida

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

Company nameAddressZip codePhone number
Ultimate Autosports, Inc 1227 Marshall Farms Rd B, Ocoee, FL 34761 +1 (407) 654 - 4876
Miami Instant Payday Loans SW 72nd Ave, Miami, FL 33155 +1 (305) 481 - 0348
Any Kind Checks Cashed 1165 N 4th St, Fort Pierce, FL 34950 +1 (772) 461 - 2274
Payday Loans West Palm Beach West Palm Beach, FL 33401
Gifford And Associates, Inc. 2138 Gulf Gate Dr, Sarasota, FL 34231 +1 (941) 927 - 1040
Check Man 25250 W Newberry Rd, Newberry, FL 32669 +1 (352) 472 - 7666
TD Bank 101 Highway 19 N, Palatka, FL 32177 +1 (386) 328 - 7729
SunTrust 3577 Fruitville Rd, Sarasota, FL 34237 +1 (941) 554 - 1400
General Lending Corporation 8400 SW 8th St, Miami, FL 33144 +1 (305) 269 - 8385
Regions Bank 601 Main St, Safety Harbor, FL 34695 +1 (727) 683 - 5550

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Saint Petersburg, FL, you can try to find different companies in big cities near by. Check out the following pages here: No Credit Check Loans in Sanford, FL, Payday Loans in Sarasota, FL, Payday Loans in Spring Hill, FL, Payday Loans in Tallahassee, FL, Bad Credit Loans in Tampa, FL, Guaranteed Loans in The Villages, FL, Payday Loans in Titusville, FL and Payday Loan Companies in Valrico, 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 Petersburg, FL.

Beautiful sights of Saint Petersburg, FL

Are Payday Loans Legal In Saint Petersburg, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Saint Petersburg, 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 Petersburg, FL payday loan calculator

Payday Loans in Saint Petersburg, Florida – Quick Cash When You Need It

Payday loans are a popular financial option for people who need cash fast. These loans provide a convenient way to get money quickly without a lengthy application process. If you’re a resident of Saint Petersburg, Florida, you may be wondering how payday loans work in your state.

Are Payday Loans Legal in Florida?

Yes, payday loans are legal in Florida. However, there are specific regulations in place to ensure that lenders don’t take advantage of borrowers. According to Florida law, borrowers can take out a payday loan for up to $500, with a maximum repayment term of 31 days.

The interest rate on payday loans in Florida is limited to 10%, and lenders cannot charge any additional fees for processing the loan. If you default on your loan, the lender may charge a $15 fee, but they cannot charge any additional fees or interest without court permission.

How to Apply for a Payday Loan in Saint Petersburg

If you need cash quickly, applying for a payday loan in Saint Petersburg is a straightforward process. You can apply online or in-person at a payday loan store. To apply, you’ll need to provide the following information:

  • Your full name and contact information
  • Proof of employment or income
  • Your checking account information
  • Your Social Security number or tax ID

After you submit your application, the lender will review your information and determine whether to approve your loan. If you’re approved, you’ll receive your money within a few hours or the next business day.

Benefits and Risks of Payday Loans

Payday loans can be a helpful financial tool when used responsibly. They provide a quick and easy way to get cash when you need it. However, there are risks to consider, including:

  • High interest rates: The interest rate on payday loans is typically higher than other forms of credit, which means you’ll pay more in interest over time.
  • Short repayment terms: Payday loans must be repaid within a few weeks, which can be challenging if you’re facing other financial obligations.
  • Potential for debt: If you can’t repay your loan on time, the lender may offer a rollover or extension. However, this can lead to additional fees and interest, which can make it difficult to get out of debt.

Before you take out a payday loan, it’s important to consider the risks and ensure that you can repay the loan on time.

Interesting Facts and Statistics About Payday Loans in Saint Petersburg

  • According to a study by the Consumer Financial Protection Bureau, the average payday loan borrower takes out 10 loans per year and spends 199 days in debt annually.
  • As of 2019, there were 813 payday loan stores in Florida, with the majority located in low-income neighborhoods.
  • The average payday loan in Florida is $375, and borrowers typically pay $15 in interest for every $100 borrowed.

Apply Now for a Payday Loan in Saint Petersburg

If you need fast cash, TheGuaranteedLoans can help you connect with potential lenders. Our online application process is fast and easy, and we’ll work with you to find a lender that fits your needs. Keep in mind that we are a connector service, not a direct lender, and lenders have their own eligibility requirements and repayment terms. Apply now to get started, and get the cash you need when you need it.

F.A.Q.

What are the consequences of not repaying a payday loan in Saint Petersburg, Florida?

If a borrower is unable to repay a payday loan in Saint Petersburg, Florida, the lender may charge additional fees and interest, and may even pursue legal action to recover the outstanding amount. This can result in the borrower facing significant financial consequences, including damage to their credit score.

Can I roll over or renew my payday loan in Saint Petersburg, Florida?

Yes, borrowers in Saint Petersburg, Florida are allowed to roll over or renew their payday loan, but only once per loan. This means that the borrower can pay the fees and extend the loan for another pay period, but they cannot continue to roll over or renew the loan indefinitely.