Payday Loans in Belleair Beach, Florida

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

Company nameAddressZip codePhone number
Mullinax Ford of Vero Beach Dealership 488 US-1, Vero Beach, FL 32962 +1 (772) 325 - 1316
Grow Financial Federal Credit Union 2418 Florida Keys Ave, Tampa, FL 33621 +1 (800) 839 - 6328
floridacentral Credit Union 701 9th St W, Bradenton, FL 34205 +1 (941) 758 - 4422
BB&T 431 US-441, Lady Lake, FL 32159 +1 (352) 750 - 3311
Centennial Bank 125 N, FL-71, Wewahitchka, FL 32465 +1 (850) 639 - 2222
Pensacola Specialty Pawn 6428 Pensacola Blvd, Pensacola, FL 32505 +1 (850) 432 - 9050
Chipley Financial Services Inc. 1391 Brickyard Rd 4, Chipley, FL 32428 +1 (850) 638 - 5400
Fifth Third Bank & ATM 1910 Kings Hwy, Port Charlotte, FL 33980 +1 (941) 235 - 7960
Intracoastal Bank 1290 Palm Coast Pkwy NW, Palm Coast, FL 32137 +1 (877) 447 - 1662
Advanced Payday Loans 17524 S Dixie Hwy, Miami, FL 33157 +1 (305) 211 - 8312

Payday Loan Companies in Nearby Cities

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

Beautiful sights of Belleair Beach, FL

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

33786

Are Payday Loans Legal In Belleair Beach, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Belleair Beach, 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

Belleair Beach, FL payday loan calculator

What to Know About Payday Loans in Belleair Beach, Florida

Payday loans are a popular way to get short-term cash quickly, and for good reason. They can be a convenient solution for unexpected expenses or emergencies, without the hassle and time-consuming process that traditional loans often entail. If you live in Belleair Beach, Florida, you may be wondering how payday loans work in your state and what regulations you should be aware of. This article will provide a comprehensive overview of payday loans in Belleair Beach, Florida with verified facts and statistics.

Legal Status of Payday Loans in Belleair Beach, Florida

Payday loans are legal in Florida, including Belleair Beach. However, there are certain regulations in place to protect borrowers from predatory lending practices. For example, the maximum loan amount in Florida is $500, and the maximum loan term is 31 days. Lenders are also required to follow specific guidelines when it comes to fees and interest rates. For loans of $100 or less, the fee cannot exceed $10. For loans of $100 to $500, the fee cannot exceed 10% of the loan amount. These regulations ensure that borrowers are protected from excessive fees and high-interest rates.

Why People Choose Payday Loans in Belleair Beach, Florida

There are several reasons why people may choose to use payday loans in Belleair Beach, Florida. One of the primary reasons is the convenience and speed of the process. With payday loans, borrowers can usually get the cash they need within a day or two, which can be crucial in emergency situations. Additionally, payday loan lenders typically have less stringent requirements than traditional lenders, making it easier for people with poor credit scores or a lack of credit history to qualify for a loan. Finally, payday loans can be a good option for people who need a small amount of cash and don’t want to take out a larger loan with a longer repayment period.

Risks of Payday Loans in Belleair Beach, Florida

While there are many benefits to payday loans, there are also risks that borrowers should be aware of. One of the biggest risks is the high-interest rates and fees that are associated with payday loans. These rates can be as high as 300 percent or more, which can make it difficult for borrowers to repay the loan on time and may result in a cycle of debt. Additionally, payday loan lenders are not required to report to credit bureaus, which means that borrowers who repay their loans on time may not see an improvement in their credit score.

Interesting Facts and Statistics

  • Florida has one of the highest rates of payday loan usage in the United States, with more than 10% of adults having taken out a payday loan in the past year (source: Pew Charitable Trusts).
  • The average payday loan in Florida is for $389, and the average interest rate is 304% (source: Center for Responsible Lending).
  • More than 80% of payday loans in Florida are taken out by borrowers who end up taking out additional loans within two weeks of repaying their initial loan (source: Consumer Financial Protection Bureau).

Apply Now

If you’re in need of a payday loan in Belleair Beach, Florida, TheGuaranteedLoans can help. We are a connector service that will connect you with potential lenders who may be able to offer you a loan. Our process is quick and easy, and you can complete an online application right from our website. Remember, we are not a direct lender, but we will facilitate the connection between you and potential lenders. Apply now and see if you qualify for a payday loan in Belleair Beach, Florida.

F.A.Q.

Are there any alternatives to payday loans in Belleair Beach, Florida?

Yes, there are several alternatives to payday loans in Belleair Beach, Florida that may be more affordable and less risky for borrowers. These options include credit union loans, community development financial institution loans, and small personal loans from banks or online lenders.

How can I file a complaint about a payday lender in Belleair Beach, Florida?

Borrowers who have concerns or complaints about a payday lender in Belleair Beach, Florida can contact the Florida Office of Financial Regulation. This agency can investigate and take action against payday lenders who violate state laws or regulations.