Payday Loans in Terra Ceia, Florida

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

Company nameAddressZip codePhone number
Advance America 1642 S Pine Ave, Ocala, FL 34471 +1 (352) 620 - 2800
CenterState Bank, Loan Production Office 1205 NE 5th St, Crystal River, FL 34429 +1 (352) 563 - 5633
Embassy Loans Boca Raton, FL 33432 +1 (561) 544 - 8177
Value Pawn & Jewelry 8120 W Waters Ave, Tampa, FL 33615 +1 (813) 243 - 4943
LP Title Company 137 Tower St, Lake Placid, FL 33852 +1 (863) 659 - 4109
The Check Cashing Store 1675-A Forum Pl, West Palm Beach, FL 33401 +1 (561) 478 - 3555
Velocity Community Credit Union 2801 PGA Boulevard 120, Palm Beach Gardens, FL 33410 +1 (561) 775 - 2525
Capital Pawn - Lehigh 1300 Homestead Rd N, Lehigh Acres, FL 33936 +1 (239) 303 - 1680
EMM Loans LLC - The Delbro Team 14497 N Dale Mabry Hwy 201, Tampa, FL 33618 +1 (813) 330 - 7939
Cash Connection 1201 Belcher Rd, Dunedin, FL 34698

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Terra Ceia, FL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Tampa, FL, Short-term Loans in The Villages, FL, Payday Loans in Titusville, FL, Payday Loans in Valrico, FL, Online Loans in Wesley Chapel, FL, Guaranteed Loans in West Palm Beach, FL, Quick Loan in Winter Garden, FL and Payday Loan for 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 Terra Ceia, FL.

Beautiful sights of Terra Ceia, FL

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

34250

Are Payday Loans Legal In Terra Ceia, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Terra Ceia, 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

Terra Ceia, FL payday loan calculator

Payday loans are a type of short-term loan that is designed to help borrowers cover unexpected expenses or financial emergencies. These loans are usually due on the borrower’s next payday, hence the name, and are a popular option for people who need quick access to cash.

Overview of Payday Loans in Terra Ceia, Florida

In Florida, payday loans are legal and governed by state law. This means that residents of Terra Ceia, Florida have the right to apply for and obtain a payday loan if they meet certain criteria.

How Payday Loans Work in Terra Ceia, Florida

The process of getting a payday loan in Terra Ceia, Florida is relatively simple and straightforward. Borrowers can apply for a loan either in person at a lender’s physical location or online through a lender’s website.

To qualify for a payday loan in Terra Ceia, Florida, borrowers must:

  • Be at least 18 years old
  • Have a regular source of income (such as a job)
  • Have a valid checking account
  • Provide proof of identity and residence

Once a borrower has been approved for a payday loan, they will receive the money within a few hours or by the next business day at the latest. The loan will be due on the borrower’s next payday, which is usually within two weeks.

Interest Rates and Fees for Payday Loans in Terra Ceia, Florida

Florida law regulates the maximum interest and fees that payday lenders can charge. The maximum amount that a lender can charge for a payday loan in Florida is 10% of the loan amount, plus a $5 verification fee.

For example, if a borrower takes out a $500 payday loan, the maximum fees would be $55 ($50 for interest and $5 for verification). This means that the borrower would have to pay back a total of $555 on their next payday.

It’s important to note that these fees can add up quickly if the borrower doesn’t repay the loan on time or takes out multiple payday loans. If a borrower can’t repay their loan, they may be charged additional fees and interest or may be subject to legal action. It’s important to read and understand the terms and conditions of a payday loan before applying for one.

Interesting Facts and Statistics about Payday Loans in Terra Ceia, Florida

  • There are over 1,000 payday lenders operating in Florida.
  • Florida has the highest number of payday lenders per capita of any state in the US.
  • The average interest rate for a payday loan in Florida is 304%.
  • In 2019, Floridians took out over 7 million payday loans, totaling over $3.1 billion in loan volume.
  • Approximately 50% of payday loan borrowers in Florida take out at least 12 loans per year.

Apply Now for a Payday Loan in Terra Ceia, Florida

If you’re in need of quick cash to cover unexpected expenses or financial emergencies, a payday loan may be a viable option for you. TheGuaranteedLoans can help connect you with potential lenders in Terra Ceia, Florida.

Click on the ‘Apply Now’ button to fill out an online application. Please note that TheGuaranteedLoans is a connector service and not a direct lender. We will facilitate your connection with potential lenders who may be able to provide you with a payday loan.

Remember to read and understand the terms and conditions of any loan before agreeing to it. It’s important to borrow responsibly and only take out loans that you can afford to repay.

F.A.Q.

Can I be arrested for not paying back a payday loan in Terra Ceia, Florida?

No, it is illegal for a payday lender in Terra Ceia, Florida to threaten or attempt to arrest you for not paying back a payday loan. If you are being threatened with arrest, you should contact the Florida Office of Financial Regulation for assistance.

Can payday lenders charge late fees in Terra Ceia, Florida?

Yes, payday lenders in Terra Ceia, Florida are allowed to charge a late fee of up to 5% of the unpaid loan amount if the loan is not repaid by the due date.