Payday Loans in Dunedin, Florida

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Payday Loan Companies in Dunedin, FL

Company nameAddressZip codePhone number
Achieva Credit Union 1150 Achieva Way 34698 +1 (727) 431 - 7597
BB&T 1478 Main St 34698 +1 (727) 734 - 0777
Cash Connection 1201 Belcher Rd 34698
First Citizens Bank 2046 Bayshore Blvd 34698 +1 (727) 734 - 2585
Florida Gold & Loan 372 Patricia Ave 34698 +1 (727) 738 - 2801
Payday Loans Dunedin FL & Installment Loans 1099 Main St 34698 +1 (727) 228 - 6095
SunTrust Bank 1010 Curlew Road 34698 +1 (727) 431 - 6657
SunTrust Bank 825 Broadway 34698 +1 (727) 736 - 7211

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Dunedin, FL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Estero, FL, Payday Loan for Fort Lauderdale, FL, Same Day Loans in Fort Myers, FL, Short-term Loans in Fort Pierce, FL, Guaranteed Loans in Gainesville, FL, Online Loans in Hialeah, FL, Payday Loans in Hollywood, FL and Payday Loan Companies in Homestead, 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 Dunedin, FL.

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

34698, 34697

Are Payday Loans Legal In Dunedin, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Dunedin, 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

Dunedin, FL payday loan calculator

Advise to read before applying

Payday Loans in Dunedin, Florida: Everything You Need to Know

If you are in a tight financial spot and need quick access to cash, a payday loan may provide the solution you need. Payday loans, also known as cash advances, are short-term loans that help you quickly access the cash you need before your next paycheck. Although payday loans have earned a negative reputation for having high-interest rates and aggressive repayment practices, these loans can provide a lifeline of hope when you need quick access to funds. If you live in Dunedin, Florida and are thinking about applying for a payday loan, here’s everything you need to know.

Payday Loans Are Legal in Florida

The first thing to know about payday loans in Florida is that they are legal. The state of Florida has several laws governing payday loans, including:

  • Maximum Loan Amount: $500
  • Loan Term: 7-31 days
  • Fees and Finance Charges: Maximum of 10% of loan amount
  • APR: Maximum APR of 309%
  • Collection Fees: One NSF fee up to $30

It is important to note that the APR shown above is only an estimate. While most payday lenders adhere to these laws, some may charge higher fees or interest rates. It is important to do your research and find a lender who is offering a loan that meets your needs.

How Payday Loans Work

The process for applying for and obtaining a payday loan is relatively straightforward. To apply for a payday loan, you must be over 18 years old, have a steady source of income, banking information, and contact information. Once you fill out the application, the lender will review your information and decide if you qualify for the loan. If approved, the funds will be deposited into your account within one business day.

Once the loan is approved, you will be responsible for repaying it. Most payday loans are due on your next payday. It is important to make sure you can afford to repay the loan on time, otherwise you may be subject to additional fees or a penalty. Payday loans are also unsecured, meaning the lender cannot take any collateral if you default on the loan.

Benefits of Payday Loans in Dunedin, Florida

Payday loans can provide much-needed relief when you are in the midst of a financial crisis. They are a quick and easy way to access cash when you need it most. Additionally, payday loans are one of the most reliable ways to get a loan, even if you have bad credit. Since most lenders don’t require a credit check for approval, your credit score is not a factor in whether you qualify for a loan.

Things to Consider Before Taking Out a Payday Loan

Although payday loans can be beneficial in a financial pinch, there are some things to consider before taking out a loan. Firstly, payday loans are expensive, with fees that can range from 10% to 20% of the loan amount. Additionally, payday loans are short-term loans, which means if you don’t pay them off quickly, you may find yourself in a cycle of debt. If you decide to take out a payday loan, make sure you understand the terms and conditions of the loan and can afford to pay it back on time.

F.A.Q.

Are payday loans legal in Florida?

Yes, payday loans are legal in Florida. The state has several laws that regulate payday loans, including maximum loan amounts, loan terms, fees, and finance charges.

Do I need good credit to get a payday loan?

No, you do not need good credit to get a payday loan. Most lenders do not require a credit check for approval, so your credit score is not a factor in whether you qualify for a loan.

How quickly can I get a payday loan?

Most payday loans can be approved within one business day. Once approved, the funds will be deposited into your account within one business day.

Apply Now

If you’re looking for a payday loan in Dunedin, Florida, TheGuaranteedLoans can help connect you with lenders who offer fast and reliable payday loans. We are not a lender, but we can connect you with a lender that meets your needs. All you have to do is fill out an online application and we’ll do the rest. Apply now and get the cash you need today.

More F.A.Q.

Are there any protections for military service members in Dunedin, Florida when it comes to payday loans?

Yes, there are protections for military service members in Dunedin, Florida when it comes to payday loans. Military service members are entitled to the same maximum loan amount and interest rate as civilians, but they cannot be charged fees for late payments or defaulting on the loan.

Is it illegal to take out a payday loan in Dunedin, Florida if I am unable to pay it back?

No, it is not illegal to take out a payday loan in Dunedin, Florida if you are unable to pay it back. However, it is important to carefully consider whether you can afford to repay the loan before borrowing, and to explore alternative options if you are unable to do so.

How Many Cash Advance Companies are in Dunedin, FL?

With the help of our service, you will be able to find 8 cash advance companies in Dunedin, FL

What Cash Advance Companies in Dunedin, FL are the most popular?

You should check SunTrust Bank, Achieva Credit Union, and BB&T. Also, you can start your application online on our website.

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Customer Notice: Cash advance loans should be used for short-term personal requirements primarily, not as long-term budgetary remedies. Clients together with credit score issues ought to look for credit advice. Subject to state regulations, qualification, credit check, underwriting and approval. Rates, terms and conditions apply

Client Guidance: Payday loans are generally designed as a temporary financial bridge that allows individuals to borrow a modest amount of money until their next paycheck arrives. This type of loan is often used as an immediate financial remedy for unforeseen expenses, especially for those lacking a financial cushion or significant savings. If you find yourself struggling to manage your finances and considering a payday loan, it's crucial to consult with a qualified financial advisor. It's also important to familiarize yourself with the specific payday loan laws in your jurisdiction.

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