Payday Loans in Yalaha, Florida

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

Company nameAddressZip codePhone number
Advance America 3755 Gulf Breeze Pkwy k, Gulf Breeze, FL 32563 +1 (850) 934 - 4405
Check Cashing USA 13732 Biscayne Blvd, North Miami Beach, FL 33181 +1 (305) 947 - 5300
Check Cashing USA 2835 N Military Trl, West Palm Beach, FL 33409 +1 (561) 242 - 0408
SunTrust 120 S Indian River Dr, Fort Pierce, FL 34950 +1 (772) 293 - 6541
Innovations Federal Credit Union 2250 FL-77, Lynn Haven, FL 32444 +1 (850) 233 - 4400
check n go, Check n Go Store Directory 1841 N Pine Island Rd, Fort Lauderdale, FL 33322 +1 (954) 452 - 9161
Raymond James & Associates 348 Miracle Strip Pkwy UNIT 13D, Fort Walton Beach, FL 32548 +1 (850) 664 - 0036
Fast Payday Loans, Inc. 10 Preston Cir, Crawfordville, FL 32327 +1 (850) 926 - 1378
Stone Home Loans 1160 Airport Rd, Destin, FL 32541 +1 (850) 424 - 7277
Fast and Easy Funds 1800 Corporate Blvd NW 300, Boca Raton, FL 33431 +1 (800) 906 - 3494

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Yalaha, FL, you can try to find different companies in big cities near by. Check out the following pages here: Bad Credit Loans in Delray Beach, FL, Payday Loans in Deltona, FL, Bad Credit Loans in Dunedin, FL, Payday Loans in Estero, FL, Bad Credit Loans in Fort Lauderdale, FL, Payday Loans in Fort Myers, FL, 24-Hour Loan in Fort Pierce, FL and Payday Loans in Gainesville, 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 Yalaha, FL.

Beautiful sights of Yalaha, FL

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

34797

Are Payday Loans Legal In Yalaha, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Yalaha, 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

Yalaha, FL payday loan calculator

Payday Loans in Yalaha, Florida: What You Need to Know

Life is unpredictable and can occasionally throw financial curveballs when we least expect it. Perhaps it’s a broken-down car, an unexpected medical bill, or a damaged home appliance. Whatever the reason, sometimes we need help addressing unexpected expenses. That’s where payday loans come in.

Payday loans are a type of short-term financing that can provide a fast solution to temporary monetary needs. These loans are generally taken out for a small amount (usually up to $500) and must be repaid within a brief amount of time, usually within two weeks or until the borrower’s next payday.

If you live in Yalaha, Florida, you may be wondering what the laws, regulations, and options are for payday loans in your state. Before considering a payday loan, it’s essential to know what to expect and to understand your rights as a borrower. In this article, we’ll provide you with everything you need to know about payday loans in Yalaha, Florida.

The Legal Landscape of Payday Loans in Yalaha, Florida

Payday loans are legal in Florida, including Yalaha. The Florida Office of Financial Regulation governs the operation of payday lending, and there are specific state laws and regulations that lenders must follow.

In Yalaha, you can borrow up to $500 with a payday loan. The maximum loan term permitted by law is 31 days. After the loan term ends, the lender cannot charge additional fees or interest unless you fail to repay the loan, in which case the lender may charge a one-time non-sufficient funds (NSF) fee.

Florida law states that payday loan interest rates must be capped at 10% of the loan amount. Lenders are also legally required to disclose any fees, interest rates, and repayment terms upfront before lending any money.

Payday Loan Requirements in Yalaha, Florida

Before you can apply for a payday loan in Yalaha, Florida, you must meet specific eligibility requirements. These requirements include:

  • Being at least 18 years old
  • Having a valid government-issued ID
  • Being employed or having a steady income source
  • Having an active checking account

If you meet these requirements, you may be eligible for a payday loan. However, keep in mind that every lender may have additional requirements or varying application processes.

The Pros and Cons of Payday Loans

Before applying for any loan, it’s important to weigh the pros and cons carefully. Here are some of the advantages and disadvantages of payday loans.

Pros:

  • Quick and easy application process
  • No collateral required
  • Accessible to individuals with bad credit or no credit history
  • Can help you cover unexpected expenses

Cons:

  • High-interest rates and fees
  • Short repayment periods
  • May lead to debt cycles
  • Can negatively affect credit scores if not repaid promptly

Interesting Facts and Statistics About Payday Loans in Yalaha, Florida

  • In 2020, over 200,000 payday loans were taken out in Florida alone.
  • The most significant percentage of borrowers (58.7%) in Florida were between the ages of 18-44.
  • Payday loan storefronts in Florida outnumber McDonald’s and Starbucks locations combined.
  • Between 2016-2020, Florida took measures to lower fees and interest rates on payday loans by enacting legislation that created payment plans and required lenders to report loan data to the state.

Apply Now for a Payday Loan in Yalaha, Florida

If you’re facing unexpected expenses and need a short-term solution, a payday loan may be a viable option for you. At TheGuaranteedLoans, we connect borrowers with potential lenders, providing the easiest and most convenient application process possible. Remember, we are not a direct lender, but we work to connect you with lenders who will assess your eligibility and send offers for payday loans.

To apply for a payday loan, simply fill out our online application. It usually takes less than five minutes, and you can complete it from the comfort of your own home. If you’re approved, your lender will contact you directly with all the loan details, such as interest rates, fees, and repayment terms.

At TheGuaranteedLoans, we aim to help you manage unexpected expenses while ensuring that you understand all the obligations involved. Apply now for a payday loan and get connected with a lender in Yalaha, Florida today.

F.A.Q.

Is it a good idea to take out a payday loan in Yalaha, Florida to pay off another payday loan?

No, it is not a good idea to take out a payday loan in Yalaha, Florida to pay off another payday loan. This is known as “loan stacking” and it can quickly lead to a cycle of debt that is difficult to escape. It is best to seek other options, such as a payment plan or credit counseling, to help you pay off your payday loan.

How can I find a reputable payday lender in Yalaha, Florida?

To find a reputable payday lender in Yalaha, Florida, you can check with the Florida Office of Financial Regulation to make sure the lender is licensed and in good standing. You can also read reviews from other customers and compare interest rates and fees from different lenders to find the best deal.