Payday Loans in Debary, Florida

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

Company nameAddressZip codePhone number
SunTrust Bank 2846 Southwest Town Center Way, Palm City, FL 34990 +1 (772) 403 - 7779
Payday Loans Hialeah 68, I-75, Hialeah, FL 33018
Advance America 3559 South US Hwy. 441, Okeechobee, FL 34974 +1 (863) 763 - 1159
Fast Payday Loans, Inc. 10 Preston Circle, Crawfordville, FL 32327 +1 (850) 926 - 1378
Rapid Cash Advances 5354 S John Young Pkwy, Orlando, FL 32839 +1 (407) 370 - 2274
Advance America 3539 Apalachee Pkwy #4, Tallahassee, FL 32311 +1 (850) 309 - 0039
Capital City Bank 7153 Broad St, Brooksville, FL 34601 +1 (352) 754 - 2500
Prime Meridian Bank 2201 Crawfordville Hwy, Crawfordville, FL 32327 +1 (850) 926 - 4320
Dennis Craig - Raymond James 447 W Dearborn St., Englewood, FL 34223 +1 (941) 548 - 3170
Endeavor Securities Group 240 N Lemon Ave, Brooksville, FL 34601 +1 (352) 593 - 4162

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Debary, FL, you can try to find different companies in big cities near by. Check out the following pages here: Short-term Loans in Port Orange, FL, Short-term Loans in Port Saint Lucie, FL, Payday Loan for Riverview, FL, Bad Credit Loans in Saint Cloud, FL, Payday Loans in Saint Petersburg, FL, Guaranteed Loans in Sanford, FL, Payday Loans in Sarasota, FL and Payday Loans in Spring Hill, 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 Debary, FL.

Beautiful sights of Debary, FL

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

32713

Are Payday Loans Legal In Debary, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Debary, 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

Debary, FL payday loan calculator

Understanding Payday Loans in Debary, Florida

If you’re in a bind and need money fast, payday loans might seem like a viable solution. Payday loans, also known as cash advances, are short-term loans that typically need to be repaid by your next paycheck. They’ve become a popular option for many people in Debary, Florida, but it’s important to understand the terms and conditions before taking one out.

The Legality of Payday Loans in Florida

Payday loans are legal in the state of Florida, including Debary. Under Florida law, payday lenders are required to be licensed by the Florida Office of Financial Regulation. Lenders are also required to follow certain guidelines when issuing loans.

Understanding the Terms and Conditions

Before taking out a payday loan, it’s important to understand the terms and conditions. Payday loans typically come with high interest rates and fees, so it’s not a long-term solution. When you take out a payday loan, you’re essentially borrowing against your next paycheck, so you’ll need to make sure you have the funds to repay the loan in full. Additional fees, such as late payment fees, can also be added if you’re unable to make your payments on time.

How Payday Loans Work in Debary, Florida

In Debary, you can typically borrow up to $500 through a payday loan. The term of the loan ranges from 7 to 31 days. If you’re unable to repay the loan on time, you can ask for a 60-day grace period, but additional fees will apply.

  • The maximum finance charge for a $100 payday loan in Florida is $16.11.
  • You cannot take out more than one payday loan at a time.
  • Lenders are required to disclose all fees and finance charges upfront.
  • If you’re unable to repay the loan, the lender may not take criminal action against you, but they may pursue civil action to recover the funds.

The Pros and Cons of Payday Loans

Payday loans can be a good option for those who need money quickly. They typically have minimal requirements, and lenders can often provide funds within a day. However, payday loans also come with high interest rates and fees, which can make it difficult to repay the loan on time. Some critics argue that payday loans can lead to a cycle of debt, as borrowers take out loans to repay previous loans.

Applying for a Payday Loan

If you’re eligible for a payday loan, you can apply online through TheGuaranteedLoans, which is a connector service that can help you find potential lenders. It’s important to note that TheGuaranteedLoans is not a direct lender and will not issue loans themselves. Instead, they will work to connect you with lenders who may be able to provide you with a loan.

Interesting Facts and Statistics About Payday Loans in Debary, Florida

According to a 2021 report by the Florida Office of Financial Regulation, there were over 410,000 payday loans issued in the state in 2020. The average loan amount was $373, and the average APR was 304%. In Debary specifically, there were over 3,000 payday loans issued in 2020.

Conclusion

If you’re in need of fast cash, payday loans can seem like a tempting solution. However, it’s important to understand the terms and conditions before taking one out. Payday loans come with high interest rates and fees, which can make them difficult to repay. Consider all of your options carefully before making a decision.

Apply Now

If you’re interested in applying for a payday loan in Debary, you can get started by filling out an application on TheGuaranteedLoans website. Remember, TheGuaranteedLoans is a connector service and not a direct lender, but they can help connect you with potential lenders who may be able to provide you with a loan.

F.A.Q.

Are payday loans legal in Debary, Florida?

Yes, payday loans are legal in Debary, Florida and are regulated by the Florida Office of Financial Regulation.

What are the maximum loan amounts and interest rates for payday loans in Debary, Florida?

The maximum loan amount for a payday loan in Debary, Florida is $500, and the maximum interest rate is 10% per month.