Payday Loans in Worthington Springs, Florida

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

Company nameAddressZip codePhone number
Pat's Pawn & Jewelry 915 SE US Hwy 19, Crystal River, FL 34428 +1 (352) 794 - 6040
Advance America 5141 US-19, New Port Richey, FL 34652 +1 (727) 848 - 2441
SunTrust Mortgage 4302 US-1, Jupiter, FL 33477 +1 (800) 634 - 7928
Cadence Bank - Beverly Hills Branch 3860 N Lecanto Hwy, Beverly Hills, FL 34465 +1 (352) 746 - 0113
Advance America 2418 N Monroe St #220, Tallahassee, FL 32303 +1 (850) 383 - 8315
Achieva Credit Union - Suncoast Technical College 34233-By appointment only, 4748 S Beneva Rd, Sarasota, FL 34233 +1 (941) 907 - 4000
First Coast Auto Finance Inc 1156 Cassat Ave, Jacksonville, FL 32205 +1 (904) 783 - 8558
Payday Loans Tampa 8018 N Newport Ave, Tampa, FL 33604
Payday Loans Largo 92nd St, Largo, FL 33773
Embassy Loans 555 S Hercules Ave STE 402, Clearwater, FL 33764 +1 (866) 277 - 5798

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Worthington Springs, FL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Bradenton, FL, Payday Loans in Brandon, FL, Same Day Loans in Cape Coral, FL, No Credit Check Loans in Clearwater, FL, Bad Credit Loans in Clermont, FL, Guaranteed Loans in Daytona Beach, FL, Emergency Loan in Deerfield Beach, FL and Payday Loan Without a Credit Check in Deland, 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 Worthington Springs, FL.

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

32697

Are Payday Loans Legal In Worthington Springs, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Worthington 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

Worthington Springs, FL payday loan calculator

Payday Loans in Worthington Springs, Florida: What You Need to Know

Payday loans are a popular form of short-term lending that provides cash advances to those in need of financial assistance. In Worthington Springs, Florida, payday loans are legal and regulated under state law. If you find yourself in a financial bind and cannot access traditional forms of credit, a payday loan may be an option worth considering.

What Are Payday Loans?

Payday loans are small, short-term loans that are designed to provide quick and easy access to cash. They are typically used for emergency expenses such as medical bills, car repairs, or unexpected bills that cannot be paid with traditional forms of credit. Payday loans differ from other types of loans in that they are intended to be repaid in full on the borrower’s next payday.

Payday loans are typically structured as follows: a borrower applies for a loan and is approved for a specific amount. The lender then provides the borrower with cash, and the borrower agrees to repay the loan plus interest and fees on their next payday. The loan term typically lasts for 14 days, with interest rates and fees varying depending on the lender and the borrower’s credit rating.

Payday Loan Regulations in Worthington Springs, Florida

In Florida, payday loans are legal and regulated under state law. Under Florida law, payday lenders are required to be licensed and must comply with certain regulations in order to operate legally. Some of the key regulations that apply to payday loans in Worthington Springs, Florida include:

  • Loan amounts: The maximum loan amount that can be borrowed is $500 per loan.
  • Loan term: The loan term must be between 7 and 31 days.
  • Finance charges: Lenders are permitted to charge a maximum fee of 10% of the loan amount, plus a verification fee of up to $5.
  • Repayment plan: Borrowers are entitled to request a repayment plan if they are unable to repay the loan on the due date.
  • Restrictions: Lenders are prohibited from rolling over loans more than twice, and are required to provide borrowers with a 24-hour cooling-off period before issuing a new loan.

Benefits of Payday Loans

Payday loans can provide a number of benefits for borrowers in need of a short-term financial solution. Some of the key benefits of payday loans include:

  • Easy access to cash: Payday loans are typically easy to obtain, with many lenders offering online or in-person applications.
  • Fast approval: Many payday lenders offer same-day or next-day approval, which means borrowers can access cash quickly.
  • No credit check: Payday loans do not typically require a credit check, which means borrowers with poor credit may still be able to qualify.

Drawbacks of Payday Loans

While payday loans can provide cash quickly and easily, they also come with a number of drawbacks that borrowers should be aware of. Some of the key drawbacks of payday loans include:

  • High fees and interest rates: Payday loans are typically associated with high fees and interest rates, which can make them an expensive form of borrowing.
  • Short repayment terms: Payday loans are typically due on the borrower’s next payday, which can make them difficult to repay if the borrower is facing financial hardship.
  • Debt cycle: If a borrower is unable to repay their payday loan on the due date, they may be forced to roll over the loan, which can lead to a cycle of debt and additional fees and interest charges.

Interesting Facts:

  • The average payday loan in Florida is $375.
  • Florida has some of the most relaxed payday loan regulations in the country.
  • Florida payday lenders charge an average of 304% APR on payday loans.

Apply Now

If you need a payday loan in Worthington Springs, Florida, TheGuaranteedLoans can help connect you with potential lenders. Our online application process is quick and easy, and we work with a network of trusted lenders who can provide you with the cash you need. Remember, TheGuaranteedLoans is a connector service, not a direct lender. We are here to facilitate your connection with potential lenders. Apply now and get the cash you need to take care of your emergency expenses.

F.A.Q.

Can I be denied a payday loan in Worthington Springs, Florida based on my credit score?

Yes, payday lenders in Worthington Springs, Florida are allowed to consider a borrower's credit score when deciding whether to offer a loan. Borrowers with poor credit may be denied a payday loan or may be offered a loan with higher interest rates and fees.

Can I be denied a payday loan in Worthington Springs, Florida if I have filed for bankruptcy?

Yes, payday lenders in Worthington Springs, Florida are allowed to deny loans to borrowers who have filed for bankruptcy. This is because borrowers who have filed for bankruptcy are considered to be high-risk and may be unable to repay their loans.