Payday Loans in Thonotosassa, Florida

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

Company nameAddressZip codePhone number
Fast Payday Loans, Inc. 1301 S Jefferson St, Monticello, FL 32344 +1 (850) 997 - 3624
Synovus Bank 71 Beal Pkwy NW NE, Fort Walton Beach, FL 32548 +1 (888) 796 - 6887
A-One Mailbox & Tobacco 6745 Caroline St, Milton, FL 32570 +1 (850) 626 - 1817
Dolex Dollar Express 201 N Main Ave, Lake Placid, FL 33852 +1 (863) 531 - 0259
SmartBank 4405 Commons Dr E, Destin, FL 32541 +1 (850) 269 - 0871
Fast Payday Loans, Inc. 2940 Cleveland Ave, Fort Myers, FL 33901 +1 (239) 334 - 2970
InstaLoan Loans 2800 Creighton Rd, Pensacola, FL 32504 +1 (850) 462 - 1400
BB&T 3527 N Lecanto Hwy, Beverly Hills, FL 34465 +1 (352) 527 - 8110
Check n Go 9658 US-19 N, Port Richey, FL 34668 +1 (727) 841 - 8866
Raymond James Financial Services 4601 E Moody Blvd, Bunnell, FL 32110 +1 (386) 308 - 5122

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Thonotosassa, FL, you can try to find different companies in big cities near by. Check out the following pages here: Bad Credit Loans in Winter Springs, FL, Payday Loan Without a Credit Check in Apopka, FL, Payday Loan Companies in Boca Raton, FL, Guaranteed Loans in Bonita Springs, FL, Payday Loans in Boynton Beach, FL, Guaranteed Loans in Bradenton, FL, Guaranteed Loans in Brandon, FL and Same Day Loans in Cape Coral, 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 Thonotosassa, FL.

Beautiful sights of Thonotosassa, FL

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

33592

Are Payday Loans Legal In Thonotosassa, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Thonotosassa, 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

Thonotosassa, FL payday loan calculator

Payday Loans in Thonotosassa, Florida

In the era of fast-paced lifestyles and ever-growing expenses, unexpected financial emergencies can arise at any time. Payday loans have become a go-to option for people who need quick access to cash. In Florida, payday loans are legal, but it’s essential to be well-informed before opting for this type of loan. In this article, we will explore all you need to know about payday loans in Thonotosassa, Florida.

What are Payday Loans?

Payday loans are short-term, high-interest loans, typically with repayment due on your next payday. These loans are designed to provide quick access to cash, usually of smaller amounts than traditional loans. They are an option when you need emergency funds and don’t want to go through time-consuming loan applications or credit checks.

Payday loans are legal in Florida and many other states, but they come with significant risks. As they are high-interest loans, failing to pay on time will increase the amount you owe and could lead to a debt cycle.

How Do Payday Loans Work in Thonotosassa, Florida?

Payday loan operations in Florida must abide by the state’s regulations, which are set to protect consumers from fraud and unjust lending practices. To apply for a payday loan, you must be at least 18 years old, have a government-issued ID, an active checking account, and a stable source of income.

In Thonotosassa, Florida, the maximum loan amount you can get is $500, and you must pay it back within 31 days. The interest rate allowed by law in Florida for payday loans is 10% per $100 borrowed, plus a $5 verification fee. Suppose you borrow $300; in that case, the finance charge will be $35, with a total repayment amount of $335.

The Pros and Cons of Payday Loans

Like other types of loans, payday loans have both advantages and disadvantages. Below we have listed some of the pros and cons of payday loans in Thonotosassa, Florida.

Pros:

  • Quick and easy application process
  • No credit check required
  • You can use the money for any purpose
  • You can get the money on the same day

Cons:

  • High interest and finance charges
  • Short repayment period
  • Frequent use could lead to debt cycle
  • May impact your credit score negatively

Interesting Facts and Statistics About Payday Loans in Thonotosassa, Florida

Here are some fascinating facts and statistics about payday loans in Thonotosassa, Florida:

  • According to the Center for Responsible Lending, the average interest rate for payday loans in Florida is 300%, making it one of the highest in the country.
  • In 2019, payday lenders in Florida made around $1.3 billion in loans, making it one of the most significant markets for payday lenders.
  • Florida is home to over 1,100 payday lenders, which is more than the number of McDonald’s and Starbucks locations combined.

Apply Now for a Payday Loan in Thonotosassa, Florida

If you have a financial emergency, and you need cash fast, a payday loan might be an option to consider. Apply now on our website, and let us connect you with a potential lender. Please note that TheGuaranteedLoans is a connector service, not a direct lender. We cannot guarantee approval for a loan, but we will do our best to connect you with lenders that fit your needs.

Remember, payday loans are a high-cost form of credit, and should not be used as a long-term solution. Before applying, we encourage you to explore all other options, including traditional bank loans and credit cards.

Conclusion

Payday loans in Thonotosassa, Florida, can provide quick and easy access to cash if you find yourself in a financial emergency. However, they come with significant risks, such as high-interest rates and short repayment periods. It’s essential to understand the terms and conditions of a payday loan before applying for one and to make sure that you can repay it on time.

At TheGuaranteedLoans, we are committed to providing our readers with accurate and trustworthy information. We hope that this article has been helpful in your understanding of payday loans in Thonotosassa, Florida.

F.A.Q.

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

Yes, payday lenders in Thonotosassa, 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 Thonotosassa, Florida if I have bad credit?

Yes, payday loans in Thonotosassa, 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.