Payday Loans in Astatula, Florida

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

Company nameAddressZip codePhone number
Gulf Winds Credit Union 11 Preston Cir, Crawfordville, FL 32327 +1 (800) 650 - 6328
GTE Financial - Land O' Lakes 21827 FL-54, Lutz, FL 33549 +1 (813) 414 - 7807
Chase Bank 214 Palm Coast Pkwy NE, Palm Coast, FL 32137 +1 (386) 627 - 7083
C U Lending Solutions 3001 N Rocky Point Dr E, Tampa, FL 33607
BB&T 3527 N Lecanto Hwy, Beverly Hills, FL 34465 +1 (352) 527 - 8110
InstaLoan Loans 737 Beal Pkwy NW, Fort Walton Beach, FL 32548 +1 (850) 344 - 3002
IBERIABANK 201 N Franklin St Suite 100, Tampa, FL 33602 +1 (813) 569 - 7500
Nicholas Financial Inc 2401 W Eau Gallie Blvd # 4, Melbourne, FL 32935 +1 (321) 752 - 0955
Community First Credit Union 1425 Atlantic Blvd, Neptune Beach, FL 32266 +1 (904) 354 - 8537
Central Florida Automotive Group 671 Garden Commerce Pkwy 180, Winter Garden, FL 34787 +1 (407) 233 - 1832

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Astatula, FL, you can try to find different companies in big cities near by. Check out the following pages here: No Credit Check Loans in Melbourne, FL, Payday Loans in Merritt Island, FL, Online Loans in Miami, FL, Same Day Loans in Miami Beach, FL, Short-term Loans in Navarre, FL, Payday Loans in North Fort Myers, FL, Payday Loans in North Miami Beach, FL and Payday Loans in North Port, 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 Astatula, FL.

Beautiful sights of Astatula, FL

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

34703, 34705

Are Payday Loans Legal In Astatula, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Astatula, 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

Astatula, FL payday loan calculator

What You Need to Know About Payday Loans in Astatula, Florida

Payday loans are a quick and easy way to get cash when you’re in a financial bind. While they can be helpful in some situations, they can also be a slippery slope to unmanageable debt if you’re not careful. Here’s what you need to know about payday loans in Astatula, Florida.

What are payday loans?

Payday loans are short-term loans that are typically due on your next payday. They’re meant to be a temporary solution for financial emergencies, like unexpected car repairs or medical bills that pop up between paychecks.

The process is simple. You fill out an application, provide some basic personal and financial information, and if you’re approved, the loan is directly deposited into your bank account. You’ll need to pay back the loan plus interest and fees on the due date.

How do payday loans work in Astatula, Florida?

Payday loans are legal in Florida, but there are some regulations that lenders must follow. In Astatula, Florida, you can borrow up to $500 from a payday lender. The loan term can be no longer than 31 days, and the finance charge can’t exceed 10% of the loan amount plus a $5 verification fee. This means that if you borrow $100, the total fees can’t be more than $15.

It’s important to note that payday lenders can only lend to one borrower at a time, and you can only have one outstanding loan at a time. If you can’t repay the loan on the due date, you can request an extended repayment plan, but you can only do this once per 12-month period.

The pros and cons of payday loans

Payday loans can be a helpful tool in certain situations, but they’re not a long-term solution to financial problems. Here are some pros and cons to consider before taking out a payday loan.

Pros:

  • Quick and easy application process
  • No credit check required
  • Funds are deposited directly into your bank account
  • Can be helpful in emergencies

Cons:

  • High interest rates and fees
  • Short repayment terms
  • Can lead to a cycle of debt if not paid back on time
  • Not a long-term solution to financial problems

Interesting Facts and Statistics about Payday Loans in Astatula, Florida

  • There are over 1,000 payday lenders in Florida, and they make more than 7 million loans per year.
  • The average payday loan in Florida is $375, and the average borrower takes out 8 loans per year.
  • More than 80% of payday loans in Florida are rolled over or renewed, meaning borrowers are unable to repay the loan on the due date and must pay additional fees to extend the loan term.

Apply Now

If you find yourself in need of a payday loan in Astatula, Florida, TheGuaranteedLoans can help. We’re a connector service, not a direct lender, which means we can facilitate your connection with potential lenders who can provide loans that meet your needs.

To apply, simply fill out our online application and provide some basic personal and financial information. We’ll use this information to match you with potential lenders who may be able to offer you a loan. If you’re approved, the funds will be directly deposited into your bank account. It’s that easy!

Remember, payday loans are a short-term solution to financial emergencies. If you find yourself struggling with debt or unable to pay back a loan, seek help from a financial professional.

F.A.Q.

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

To find a reputable payday lender in Astatula, 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.

What should I do if I feel that a payday lender in Astatula, Florida has treated me unfairly?

If you feel that a payday lender in Astatula, Florida has treated you unfairly, you can file a complaint with the Florida Office of Financial Regulation. You can also seek assistance from a nonprofit credit counseling agency or a consumer protection agency to help you resolve the issue.