Payday Loans in Wausau, Florida

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

Company nameAddressZip codePhone number
Space Coast Credit Union 2400 Veterans Memorial Pkwy, Orange City, FL 32763 +1 (800) 447 - 7228
Wells Fargo Bank 11800 SE Federal Hwy, Hobe Sound, FL 33455 +1 (772) 545 - 4995
Cash America Store Number 897 4700 Babcock St NE #29, Palm Bay, FL 32905 +1 (321) 473 - 1099
Bayshore Consumer Finance 1511 N Westshore Blvd 300, Tampa, FL 33607 +1 (813) 384 - 4836
Mariner Finance 4926 Malloy Plaza 1, Marianna, FL 32448 +1 (850) 482 - 3777
Fast Money Inc 3246 US-1, Vero Beach, FL 32960 +1 (772) 567 - 7850
CAMPUS USA Credit Union Heath Brook 5350 SW College Rd, Ocala, FL 34474 +1 (352) 237 - 9060
ACE Cash Express 13830 NW 27th Ave, Opa-locka, FL 33054 +1 (305) 687 - 9021
Container Mutual Credit Union N 8th St, Fernandina Beach, FL 32034 +1 (904) 261 - 5551
El doctor del credito 14750 SW 26th St 203, Miami, FL 33185 +1 (786) 313 - 3901

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Wausau, FL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in North Port, FL, Payday Loans in Ocala, FL, Payday Loans in Ocoee, FL, Payday Loans in Orlando, FL, Bad Credit Loans in Ormond Beach, FL, Guaranteed Loans in Oviedo, FL, Emergency Loan in Palm Bay, FL and Payday Loans in Palm Beach Gardens, 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 Wausau, FL.

Beautiful sights of Wausau, FL

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

32463

Are Payday Loans Legal In Wausau, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Wausau, 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

Wausau, FL payday loan calculator

With the expense of living in Wausau, Florida, it can be difficult to maintain a healthy financial budget. Emergencies may arise, leaving you in dire need of immediate cash. That’s where payday loans come in, providing short-term financial assistance to help you bridge the gap between paychecks. Payday loans are legal in Florida, and may be a viable option for those in need of fast cash.

What Are Payday Loans?

A payday loan, also known as a paycheck advance or cash advance loan, is a short-term loan typically meant to be repaid on your next payday. The loan amount is based on a portion of your paycheck and often comes with high interest rates and fees. The application process is generally quick and easy, requiring little paperwork and no collateral.

How Do Payday Loans Work in Wausau, Florida?

As previously mentioned, payday loans are legal in Florida. However, the payday lending industry in the state is heavily regulated by the Florida Office of Financial Regulation. In Florida, payday loans are limited to $500 per borrower per loan, and lenders are prohibited from charging more than 10% in interest and fees. The repayment terms for a payday loan in Florida are also limited, lasting no more than 31 days.

In Wausau, Florida, payday loans are widely available. To be eligible for a payday loan, there are a few basic requirements that must be met:

  • You must be over 18 years old and a legal resident of the United States
  • You must have a valid ID or driver’s license
  • You must have a checking account in good standing
  • Your income must meet the minimum requirements set by the lender

Once you have met these basic requirements, the process for obtaining a payday loan in Wausau is generally straightforward. You will need to complete an application, provide proof of income, and provide your banking information. If approved, the funds may be deposited into your bank account within 24 hours.

Pros and Cons of Payday Loans

Payday loans can be a useful source of short-term financial assistance for those in need. There are several advantages and disadvantages to consider before deciding to take out a payday loan.

Pros:

  • Quick and easy application process
  • No collateral required
  • Funding available within 24 hours
  • No credit check required (in most cases)
  • May be a viable option for those with poor credit

Cons:

  • High interest rates and fees
  • May lead to a cycle of debt if not repaid on time
  • May negatively impact credit score if not repaid on time
  • May result in legal action if not repaid on time

Interesting Facts and Statistics about Payday Loans in Wausau, Florida

  • In 2019, Floridians took out more than 7.7 million payday loans, totaling nearly $3.1 billion in loan volume.
  • The average interest rate on a payday loan in Florida is 304%.
  • In 2019, the Florida Office of Financial Regulation received over 20,000 complaints related to payday lending.

Apply Now

If you have decided that a payday loan may be the right option for you, TheGuaranteedLoans can help connect you with potential lenders. As a connector service and not a direct lender, we work with a network of reputable lenders who may be able to provide you with a loan. To get started, simply fill out our online application form and one of our representatives will be in touch.

It’s important to remember that payday loans can be a useful source of financial assistance, but they should not be used as a long-term solution. Be sure to read the terms and conditions carefully, and only borrow what you can afford to repay.

F.A.Q.

What should I do if I am having trouble repaying my payday loan in Wausau, Florida?

If you are having trouble repaying your payday loan in Wausau, Florida, you should contact your lender as soon as possible to discuss your options. You may be able to negotiate a payment plan or seek assistance from a credit counseling agency.

Can I extend or renew my payday loan in Wausau, Florida?

No, in Wausau, Florida, payday loans cannot be extended or renewed. Borrowers are required to repay the full loan amount, plus interest and fees, by the agreed upon due date.