Payday Loans in Elfers, Florida

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

Company nameAddressZip codePhone number
Fifth Third Bank & ATM 500 A1A N, Ponte Vedra Beach, FL 32082 +1 (904) 273 - 1202
Capital City Bank 102 S Main St, Havana, FL 32333 +1 (850) 539 - 5805
Suncoast Credit Union 2367 E Gulf to Lake Hwy, Inverness, FL 34453 +1 (800) 999 - 5887
The Check Cashing Store 2835 S Cleveland Ave, Fort Myers, FL 33901 +1 (239) 337 - 4844
Christensen Financial, Inc. Corporate 860 N State Rd 434, Altamonte Springs, FL 32714 +1 (407) 869 - 0008
BB&T 19720 Cochran Blvd, Port Charlotte, FL 33948 +1 (941) 255 - 0815
Valley Bank 710 E Tarpon Ave, Tarpon Springs, FL 34689 +1 (727) 756 - 1120
Money Tree of Florida Inc 1350 E Tennessee St B1, Tallahassee, FL 32308 +1 (850) 878 - 4365
Fast Payday Loans Pompano Beach 1305 E Atlantic Blvd, Pompano Beach, FL 33060
Fast Payday Loans, Inc. 1400 E Vine St, Kissimmee, FL 34744 +1 (321) 270 - 0512

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Elfers, FL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Pompano Beach, FL, Online Loans in Port Charlotte, FL, Payday Loan Companies in Port Orange, FL, Payday Loan Without a Credit Check in Port Saint Lucie, FL, Payday Loan for Riverview, FL, Payday Loans in Saint Cloud, FL, Payday Loans in Saint Petersburg, FL and Payday Loans in Sanford, 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 Elfers, FL.

Beautiful sights of Elfers, FL

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

34680

Are Payday Loans Legal In Elfers, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Elfers, 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

Elfers, FL payday loan calculator

Payday Loans in Elfers, Florida: All You Need to Know

If you’re in need of fast cash but don’t have the best credit score, you may be considering a payday loan. In Elfers, Florida, payday loans are legal and can provide a much-needed financial boost. However, before you take out a payday loan, it’s crucial to understand what you’re getting into.

What are payday loans?

Payday loans are a type of short-term loan designed to help people get through a temporary financial hardship. Typically, payday loans are due on your next payday, hence the name. They are usually small-dollar loans, with an average amount of around $500 in Florida.

How do payday loans work in Elfers?

In Elfers, Florida, payday lenders can charge up to 10% of the loan amount as a fee and may offer loans up to $500. The loan term must be between 7 and 31 days, and you can only have one loan at a time. Florida law allows borrowers the option of an extended payment plan to repay their loans.

To take out a payday loan in Elfers, you’ll need to provide proof of income, such as a pay stub or bank statement. You’ll also need to have a valid ID, proof of residency, and a checking account in good standing.

Pros and cons of payday loans in Elfers

As with any financial product, payday loans come with both benefits and drawbacks. Here are some pros and cons to consider:

Pros:

– Fast approval and funding
– No credit check required
– Can be a helpful short-term solution in an emergency

Cons:

– High fees and interest rates
– Short repayment terms can make it difficult to pay off the loan
– Can lead to a cycle of debt if not used responsibly

Apply Now

If you’re considering a payday loan in Elfers, Florida, TheGuaranteedLoans is here to help. We are a loan connecting service that will match you with potential lenders based on your financial needs. Our online application is quick and easy, and you’ll receive a decision in minutes.

Remember, payday loans should only be used as a last resort. If you’re struggling with debt, there may be other options available to you, such as debt consolidation or credit counseling. It’s essential to educate yourself before taking out a loan and to only borrow what you can afford to pay back.

Interesting facts and statistics about payday loans in Elfers, Florida

– In 2019, Floridians took out nearly 5 million payday loans, totaling over $2.5 billion in loans.
– The average payday loan in Florida is $392, with an average fee of $42 per $100 borrowed.
– According to a study by the Center for Responsible Lending, Florida payday borrowers are more likely to end up in long-term debt than borrowers in other states.

The bottom line

Payday loans in Elfers, Florida, can be a helpful financial tool in an emergency. However, it’s crucial to understand the costs and risks associated with these loans before taking one out. Make sure you read the terms and conditions carefully, and only borrow what you can afford to repay.

Apply for a payday loan on TheGuaranteedLoans website today and get connected with potential lenders who can help you get the cash you need. Remember, we’re here to help, but it’s up to you to make responsible borrowing decisions.

F.A.Q.

What should I do if I feel that a payday lender in Elfers, Florida has treated me unfairly?

If you feel that a payday lender in Elfers, Florida has treated you unfairly, you can file a complaint with the Florida Office of Financial Regulation. You can also seek assistance from a nonprofit credit counseling agency or a consumer protection agency to help you resolve the issue.

Are payday loans legal in Elfers, Florida?

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