Payday Loans in Winter Springs, Florida

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Payday Loan Companies in Winter Springs, FL

Company nameAddressZip codePhone number
Coastal Cash 420 N Edgemon Ave 32708 +1 (407) 327 - 4179
SunTrust Bank 5775 Red Bug Lake Rd 32708 +1 (407) 551 - 0816

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Winter Springs, FL, you can try to find different companies in big cities near by. Check out the following pages here: Bad Credit Loans in Apopka, FL, Short-term Loans in Boca Raton, FL, Payday Loans in Bonita Springs, FL, Payday Loans in Boynton Beach, FL, Quick Loan in Bradenton, FL, Payday Loans in Brandon, FL, Payday Loans in Cape Coral, FL and Quick Loan in Clearwater, 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 Winter Springs, FL.

Beautiful sights of Winter Springs, FL

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

32708, 32719

Are Payday Loans Legal In Winter Springs, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Winter Springs, 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

Winter Springs, FL payday loan calculator

What Are Payday Loans?

Payday loans are short-term, small-dollar loans that are usually offered to borrowers who need emergency cash. Unlike traditional loans that are given by banks, payday loans are given by private entities. This makes them much more accessible and easier to qualify for, but they typically come with much higher interest rates and fees than traditional loans.

Payday Loans in Winter Springs, Florida

In Winter Springs, Florida, payday loans are legal. If you are a resident of the city looking for a way to borrow a small loan, a payday loan may be a viable solution. Payday loans typically range from $100 to $500, and the repayment terms can vary depending on the lender.

What Are the Requirements for Payday Loans in Winter Springs, Florida?

In order to be eligible for a payday loan in Winter Springs, Florida, you must be 18 years or older and have a valid Social Security number or valid government-issued ID. You must also have a verifiable source of income, such as a job or Social Security benefits. You must also have an active bank account and be a resident of the United States.

What Are the Benefits of Payday Loans?

Payday loans can be a great option if you need emergency cash. The process is quick and easy, and you can usually get cash within 24 hours. Payday loans are also easier to qualify for than traditional loans. Additionally, they do not require a credit check, so they are a great option for those with bad credit.

What Are the Drawbacks of Payday Loans?

Payday loans come with a number of drawbacks, including high interest rates and fees. These loans can also create a cycle of debt, as borrowers often need to take out another loan to pay off their existing loan. Additionally, some lenders have been known to take aggressive collection practices, such as calling multiple times a day and making threats.

Are Payday Loans Right for Me?

Payday loans are not for everyone. It is important to weigh the pros and cons and make sure that a payday loan is the right choice for your financial situation. If you decide to take out a payday loan, make sure that you understand the terms and fees, and only borrow an amount that you can afford to repay.

F.A.Q.

What is the maximum amount I can borrow with a payday loan?

The maximum amount you can borrow with a payday loan will vary depending on the lender and your financial situation. Generally, payday loans range from $100 to $500.

What are the repayment terms for payday loans?

The repayment terms for payday loans vary depending on the lender. Generally, you will be expected to repay the loan within two weeks to one month.

Is there a way to extend the repayment period for my payday loan?

Some lenders may offer the option to extend the repayment period of your payday loan. This will typically result in additional fees and interest. It is important to make sure that you understand the terms and fees before extending your loan.

Will taking out a payday loan hurt my credit score?

Generally, taking out a payday loan will not affect your credit score. This is because payday loans do not typically require a credit check. However, if you fail to make payments on your loan, it may result in a negative mark on your credit report.

Apply Now

If you are looking for emergency cash, a payday loan may be a viable option. At TheGuaranteedLoans, we can connect you with lenders that offer payday loans in Winter Springs, Florida. Fill out our online application and we will get you connected with a lender in your area. Please note that TheGuaranteedLoans is not a lender and does not make loans or credit decisions.

More F.A.Q.

Are there any restrictions on how payday loan lenders in Winter Springs, Florida can advertise or conduct business?

Yes, there are several restrictions on how payday loan lenders in Winter Springs, Florida can advertise and conduct business. For example, lenders cannot use deceptive or misleading advertising, cannot charge interest rates above the state maximum, and must provide borrowers with clear and concise disclosures about the terms and conditions of the loan.

What are the rights and responsibilities of payday loan borrowers in Winter Springs, Florida?

As a payday loan borrower in Winter Springs, Florida, you have the right to receive clear and concise disclosures about the terms and conditions of your loan, including the interest rate, fees, and repayment terms. You also have the right to cancel your loan within 24 hours of signing the agreement without penalty. Your responsibilities as a borrower include repaying the loan according to the agreed-upon terms and providing accurate and truthful information on your loan application.

How Many Cash Advance Companies are in Winter Springs, FL?

With the help of our service, you will be able to find 2 cash advance companies in Winter Springs, FL

What Cash Advance Companies in Winter Springs, FL are the most popular?

You should check Coastal Cash and SunTrust Bank. Also, you can start your application online on our website.