Payday Loans in Candler, Florida

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

Company nameAddressZip codePhone number
Advance America 451 & 453, Plaza Dr, Eustis, FL 32726 +1 (352) 589 - 0553
Capital Funding 7680 Universal Blvd, Orlando, FL 32819 +1 (407) 221 - 2311
Cash Irene 215 E Sugarland Cir, Clewiston, FL 33440 +1 (863) 983 - 6601
Cash Plus - Check Cashing- Payday Loans- Bill Pay- Western Union-Notary- Boss- NetSpend- Fax- Copy 30372 Old Dixie Hwy, Homestead, FL 33033 +1 (305) 328 - 5080
Space Coast Credit Union 2400 Veterans Memorial Pkwy, Orange City, FL 32763 +1 (800) 447 - 7228
Heritage Cash Advance 6733 103rd St #13, Jacksonville, FL 32210 +1 (904) 772 - 6018
Joan Aguilar and Shannon Sapp - Raymond James 915 Mall Ring Rd, Sebring, FL 33870 +1 (863) 658 - 1379
Bank of America with Drive-thru ATM 301 Gulf Breeze Pkwy, Gulf Breeze, FL 32561 +1 (850) 932 - 8339
ACE Cash Express 87 W Main St, Apopka, FL 32703 +1 (407) 880 - 8809
Nicholas Financial Inc 2401 W Eau Gallie Blvd # 4, Melbourne, FL 32935 +1 (321) 752 - 0955

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Candler, FL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Lakeland, FL, Payday Loans in Land O' Lakes, FL, Short-term Loans in Largo, FL, Short-term Loans in Lehigh Acres, FL, Quick Loan in Melbourne, FL, Emergency Loan in Merritt Island, FL, Payday Loans in Miami, FL and Payday Loans in Miami Beach, 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 Candler, FL.

Are Payday Loans Legal In Candler, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Candler, 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

Candler, FL payday loan calculator

What are Payday Loans and How do They Work?

Payday loans are a type of short-term loan that is typically taken out by individuals who are facing unexpected expenses or financial emergencies. Payday loan lenders provide borrowers with the cash they need, and in exchange, the borrower is required to repay the loan in full with their next paycheck. These loans can be helpful for those who need emergency funds, but they come with some risks.

Payday loans typically come with high-interest rates, often as much as 400%. This makes them an expensive form of borrowing, and if not repaid on time, can lead to further financial difficulties for the borrower. In Florida, payday loans are legal, but there are specific regulations that lenders must follow to protect consumers.

Payday Loans in Candler, Florida

Candler is a small unincorporated community located in Marion County, Florida. Payday lending is legal in Florida, and Candler residents have access to several payday loan providers located in nearby towns.

Payday loans in Candler typically range from $100 to $1,000, and loan terms are generally two to four weeks. The borrower must provide proof of income and a bank account to be eligible for a loan. In Florida, borrowers are only allowed to take out one payday loan at a time and must wait at least 24 hours before taking out another loan.

The Risks of Payday Loans

While payday loans can be a helpful source of short-term financing, they come with a number of risks for borrowers. The high-interest rates and short repayment terms mean that borrowers can quickly find themselves in a cycle of debt, struggling to repay the loan and still meet their other financial obligations.

In addition, payday lenders are often accused of prey on low-income and vulnerable individuals, and there have been instances where lenders have used illegal or unethical tactics to collect on debts.

Interesting Facts and Statistics about Payday Loans in Candler, Florida

  • According to a report by the Florida Office of Financial Regulation, payday lending in Florida declined by 4% in 2018 compared to the previous year, but it still remains a multi-million-dollar industry.
  • In Florida, payday lenders are required to prominently display a fee schedule and APR and cannot charge fees that exceed 10% of the amount borrowed plus a verification fee of $5.
  • The average payday loan in Florida is $363, and borrowers pay an average of $54 in fees for a two-week loan period.
  • According to the same report by the Office of Financial Regulation, 83% of payday loan borrowers in Florida take out multiple loans within a year, with the average borrower taking out nine loans per year.

Apply Now

If you’re in need of emergency funds in Candler, Florida, TheGuaranteedLoans can help connect you with a payday loan lender. We are a connector service, not a direct lender, which means we work with a network of reputable lenders who can provide you with the funds you need.

To apply, simply fill out our online application, and we’ll match you with potential lenders based on your information. You’ll be able to review your loan options and select the one that works best for you. Our application process is quick and easy, and most borrowers receive their funds within one business day.

Remember, payday loans should only be used for emergency expenses, and you should only borrow what you can afford to repay. If you’re struggling with debt, there are other options available, such as credit counseling and debt consolidation, which can provide you with the support you need to get back on track.

F.A.Q.

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

Yes, payday lenders in Candler, 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 Candler, Florida to pay off another payday loan?

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