Payday Loans in Aripeka, Florida

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

Company nameAddressZip codePhone number
Check 'n Go 9658 US Highway 19 N, Port Richey, FL 34668 +1 (727) 841 - 8866
Advance America 2221 S Monroe St, Tallahassee, FL 32301 +1 (850) 309 - 0219
Payday Loans Pompano Beach 1800-2058 S Powerline Rd, Pompano Beach, FL 33069
BB&T 15825 FL-40, Silver Springs, FL 34488 +1 (352) 625 - 7110
Baypoint Financial Services 1136 Pine Island Rd, Cape Coral, FL 33909 +1 (239) 829 - 0240
First Florida Credit Union 325 W Gaines St 148, Tallahassee, FL 32399 +1 (850) 402 - 5881
Advance America 383 Havendale Blvd, Auburndale, FL 33823 +1 (863) 967 - 7878
The Check Cashing Store 2500 N State Rd 7, Hollywood, FL 33021 +1 (954) 961 - 1002
Regions Mortgage 20729 Central Ave E, Blountstown, FL 32424
Express Money Store 120 N 9th St, Palatka, FL 32177 +1 (386) 328 - 8060

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Aripeka, FL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Jacksonville, FL, Bad Credit Loans in Jupiter, FL, 24-Hour Loan in Kissimmee, FL, Payday Loan for Lake Worth, FL, No Credit Check Loans in Lakeland, FL, Online Loans in Land O' Lakes, FL, Same Day Loans in Largo, FL and Online Loans in Lehigh Acres, 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 Aripeka, FL.

Beautiful sights of Aripeka, FL

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

34679

Are Payday Loans Legal In Aripeka, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Aripeka, 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

Aripeka, FL payday loan calculator

Understanding Payday Loans in Aripeka, Florida

When you’re short on funds, unexpected expenses can be stressful. Whether you need to pay for a medical emergency, fix your car, or cover rent, payday loans can be a solution for people in need of quick cash. However, it’s important to understand the intricacies of payday loans before pursuing them. In Aripeka, Florida, payday loans are legal, but it’s important to fully grasp the loan process and potential risks.

What are Payday Loans?

Payday loans, also known as cash advances or paycheck advances, are short-term loans offered by private lenders. These loans typically have a repayment term of two weeks, and require the borrower to leave a post-dated check or execute an agreement allowing the lender to withdraw the loan amount plus fees directly from their bank account on the borrower’s next payday.

Due to their short-term nature, payday loans in Aripeka typically have high interest rates and fees. The borrower’s credit score typically does not affect their eligibility for this kind of loan. Instead, borrowers typically need to demonstrate proof of income and provide identification and proof of residence. It’s important to note that payday loans are meant to be a short-term solution, and should not be used as a long-term financial solution.

Are Payday Loans Legal in Florida?

Yes, payday loans are legal in Florida. The state implemented regulations in 2019 that limit the loan amount to $500 and require lenders to follow a cooling-off period of 24 hours between loans. Additionally, lenders are required to conduct a database check to ensure a borrower does not have more than one open loan simultaneously.

What Are the Risks?

One of the biggest risks of payday loans is the high-interest rate and fees. In Florida, payday loan lenders can charge up to 10% of the loan amount in fees. For example, if you borrow $500, you could pay up to $50 in fees in addition to the interest on the loan.

Another risk is the short repayment term. Borrowers who cannot pay back the loan with their next paycheck could be stuck in a cycle of borrowing and high-interest payments. It’s essential to fully understand the terms of the loan, including the interest rate and fees, and ensure you have a clear plan to pay back the loan before pursuing a payday loan.

Interesting Facts and Statistics About Payday Loans in Aripeka, Florida

  • Florida is one of 32 states that allow payday loans.
  • The average payday loan in Florida is $350, with an average fee of $37.42.
  • In 2018, over 1.8 million payday loans were issued in Florida, totaling $1.3 billion in loan value.
  • The average annual percentage rate (APR) for payday loans in Florida is 304%.
  • 26% of payday loan borrowers in Florida take out more than 10 payday loans per year.
  • Florida consumers paid $311 million in fees for payday loans in 2018.

Apply Now

If you’re considering a payday loan in Aripeka, Florida, TheGuaranteedLoans can help connect you with a network of lenders. As a connector service, we are not a direct lender, but we can facilitate your connection with potential lenders. Fill out our online application to get started with the process. Remember, payday loans are a short-term solution, and should not be used as a long-term financial strategy.

Don’t let unexpected expenses stress you out. With a clear understanding of payday loans and the risks involved, you can make an informed decision that works for your financial situation.

F.A.Q.

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

Yes, payday lenders in Aripeka, 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.

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

No, it is not a good idea to take out a payday loan in Aripeka, 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.