Payday Loans in El Jobean, Florida

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

Company nameAddressZip codePhone number
Suncoast Credit Union 217 W Belt Ave, Bushnell, FL 33513 +1 (800) 999 - 5887
Check 'n Go 195 Blanding Blvd #5, Orange Park, FL 32073 +1 (904) 272 - 6704
Regions Mortgage 411 N Waukesha St, Bonifay, FL 32425
Suncoast Credit Union 4150 S Tamiami Trail, Venice, FL 34293 +1 (800) 999 - 5887
InstaLoan Loans 1402 E Fowler Ave, Tampa, FL 33612 +1 (813) 910 - 3439
Advance America 2814 Lee Blvd #8, Lehigh Acres, FL 33971 +1 (239) 369 - 5453
Raymond James 4885 US-90, Milton, FL 32571 +1 (850) 202 - 4257
First Federal Bank 1012 Main St, Chipley, FL 32428 +1 (850) 638 - 7892
SunTrust Mortgage 201 W Reynolds St, Plant City, FL 33563 +1 (813) 359 - 5640
FineMark National Bank & Trust 800 Laurel Oak Dr 101, Naples, FL 34108 +1 (239) 963 - 0700

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in El Jobean, FL, you can try to find different companies in big cities near by. Check out the following pages here: Quick Loan in Palm Beach Gardens, FL, Payday Loan Without a Credit Check in Palm Coast, FL, Payday Loan Companies in Palm Harbor, FL, Payday Loans in Panama City, FL, Payday Loan Companies in Pembroke Pines, FL, Payday Loans in Pensacola, FL, Payday Loans in Pinellas Park, FL and Payday Loans in Plant City, 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 El Jobean, FL.

Are Payday Loans Legal In El Jobean, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in El Jobean, 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

El Jobean, FL payday loan calculator

The Basics of Payday Loans in El Jobean, Florida

If you are in need of some fast cash, payday loans might seem like an easy solution. Payday loans can be a real lifesaver in a pinch, but it’s important to understand the basics before you get started.

In Florida, payday loans are regulated by the Florida Office of Financial Regulation. They are legal, and there are a number of companies that offer them in the El Jobean area. Here’s what you need to know.

What is a payday loan?

A payday loan is a small, short-term loan that is designed to help people cover unexpected expenses. The loan is usually repaid when the borrower receives their next paycheck.

Payday loans are typically for small amounts, ranging from $100 to $1,000, and usually come with high interest rates. The terms of the loan are usually for two weeks.

How do payday loans work?

The payday lending process is simple and straightforward. The borrower writes a post-dated check for the amount borrowed plus the fee charged by the lender. The lender then gives the borrower the cash, minus the fee. The loan is due when the borrower receives their next paycheck.

If the borrower is unable to repay the loan on the due date, they can roll the loan over for an additional fee. This can be a dangerous cycle, though, as the fees can quickly add up and make it difficult to pay off the loan.

Are there any requirements to get a payday loan in El Jobean?

To get a payday loan in El Jobean, you must be at least 18 years old and have a steady source of income. You’ll need to provide proof of income, such as a pay stub, and a government-issued ID.

You’ll also need to have an open and active checking account, as this is where the loan will be deposited and debited when it’s due.

What are the benefits of payday loans?

Payday loans can be a real lifesaver for people who are facing unexpected expenses. They are easy to get, as the application process is simple and quick. You can have the money you need in your bank account within 24 hours of applying.

Payday loans are also great for people with bad credit or no credit. As long as you have a steady source of income, you are usually approved for a payday loan.

What are the risks of payday loans?

The biggest risk of payday loans is the high interest rates. Payday lenders charge high fees, often the equivalent of an APR of several hundred percent. This can make it difficult to repay the loan on time, and can lead to a cycle of debt.

Rolling over a payday loan can be dangerous, as the fees can quickly add up and make it difficult to pay off the loan. This can lead to a cycle of debt that is difficult to break out of.

Interesting Facts and Statistics about Payday Loans in El Jobean, Florida

  • The average payday loan in Florida is $392.
  • The average length of a payday loan term is 14 days.
  • Florida has some of the highest fees for payday loans in the country. The maximum fee for a $100 payday loan is $16.11.
  • According to a 2016 report from the Center for Responsible Lending, Florida payday borrowers have more than $2.5 billion in outstanding payday debt.

Apply Now for a Payday Loan in El Jobean

If you are in need of a payday loan in El Jobean, TheGuaranteedLoans can help. We are a connecting service, not a direct lender, and we can facilitate your connection with potential lenders.

Simply fill out our online application, and we’ll match you with lenders who are willing to lend to you. Your loan can be deposited into your bank account within 24 hours of approval.

Remember, payday loans can be a real lifesaver, but they should be used responsibly. Only borrow what you can afford to repay, and make sure you have a plan to pay back the loan before you take it out.

F.A.Q.

Is it a good idea to take out a payday loan in El Jobean, Florida to pay off another payday loan?

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

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

To find a reputable payday lender in El Jobean, 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.