Payday Loans in Gotha, Florida

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

Company nameAddressZip codePhone number
Fast Payday Loans Pembroke Pines 1540 W Sandpiper Cir, Pembroke Pines, FL 33026
BB&T 6000 Babcock St SE, Palm Bay, FL 32909 +1 (321) 768 - 2811
Advance America 1369 E Osceola Pkwy, Kissimmee, FL 34744 +1 (407) 847 - 3815
Fast Payday Loans West Palm Beach 1443 8th St, West Palm Beach, FL 33401
Fast Cash Check Advance Inc. & Check Cashing 60 Beal Pkwy SW, Fort Walton Beach, FL 32548 +1 (850) 244 - 2429
28 Red Jewelry & Loan 640 E John Sims Pkwy, Niceville, FL 32578 +1 (850) 678 - 5999
Fairway Independent Mortgage Corporation 1495 Pine Ridge Rd Suite 5, Suite 5, Naples, FL 34109 +1 (239) 778 - 1784
SunTrust Bank 500 3rd Street, Neptune Beach, FL 32266 +1 (904) 853 - 2119
Dodge's Money Center 1610 15th St B, Panama City, FL 32401 +1 (850) 914 - 9676
SunTrust 107 Bushnell Plaza, Bushnell, FL 33513 +1 (352) 418 - 6101

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Gotha, FL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Titusville, FL, Payday Loans in Valrico, FL, Payday Loans in Wesley Chapel, FL, Payday Loan Companies in West Palm Beach, FL, Emergency Loan in Winter Garden, FL, Quick Loan in Winter Haven, FL, Payday Loan Without a Credit Check in Winter Springs, FL and Emergency Loan in Apopka, 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 Gotha, FL.

Beautiful sights of Gotha, FL

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

34734

Are Payday Loans Legal In Gotha, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Gotha, 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

Gotha, FL payday loan calculator

What You Need to Know About Payday Loans in Gotha, Florida

Are you in a tight financial situation in Gotha, Florida and need money quickly? You may have considered a payday loan. But before you make any decisions, it’s important to understand how payday loans work and the laws surrounding them in Florida.

What are payday loans?

Payday loans are a type of short-term, high-cost loan that you can get based on your paycheck. Typically, payday loans have to be repaid on your next payday or within a few weeks, along with the interest and fees. Payday lenders do not require a credit check, so they are a popular option for people who have bad credit or no credit history.

How do payday loans work in Florida?

Payday loans are legal in Florida. The maximum amount you can borrow is $500, and the loan term must be at least 7 days but no more than 31 days. The maximum finance charge for a $100 payday loan in Florida is $16.11. That means if you borrow $100, you will have to pay back $116.11 on your next payday.

It’s important to note that if you are unable to repay the loan on time, the lender may roll over the loan, which means you’ll owe even more in interest and fees. Payday lenders in Florida are required to provide borrowers with a 24-hour cooling-off period between loans. This means that once you pay off a loan, you must wait 24 hours before you can take out another payday loan.

What are the risks of payday loans?

While payday loans can be a quick fix for a financial emergency, they come with high fees and interest rates. The average interest rate for a payday loan in Florida is 300-400%. If you can’t repay the loan on time, you may get trapped in a cycle of debt and end up owing more than you originally borrowed.

Interesting Facts and Statistics About Payday Loans in Gotha, Florida

  • As of 2019, there were 1,128 payday loan stores in Florida.
  • The average payday loan borrower in Florida takes out 8 loans per year.
  • Florida borrowers paid over $311 million in payday loan fees in 2018.

Apply Now for a Payday Loan in Gotha, Florida

If you need a payday loan in Gotha, Florida, TheGuaranteedLoans can help connect you with potential lenders. We are a connector service, not a direct lender, and we work with a network of reputable lenders to help you find the best loan option for your needs. Applying online is easy and secure, and you can get a decision within minutes. Don’t let a financial emergency stress you out – apply for a payday loan today with TheGuaranteedLoans.

Remember, before taking out a payday loan, it’s important to consider the risks and make sure you can repay the loan on time. Payday loans should be used as a last resort, and you should explore other options, such as borrowing from a friend or family member, before taking out a payday loan.

Conclusion

Payday loans can be a helpful tool for people who need money quickly, but they come with high fees and interest rates. If you decide to take out a payday loan, make sure you understand the terms and are confident you can repay the loan on time. And if you need help finding a payday loan in Gotha, Florida, TheGuaranteedLoans is here to help.

F.A.Q.

Can I get a payday loan in Gotha, Florida if I am a military member?

Yes, you may be able to get a payday loan in Gotha, Florida if you are a military member. However, the terms and conditions of the loan may be different for military members due to federal laws that regulate payday lending to active duty military members.

What are payday loans in Gotha, Florida?

Payday loans in Gotha, Florida are short-term, high-interest loans that are meant to provide borrowers with quick access to cash. These loans are typically secured against the borrower's next paycheck and are intended to be repaid within a few weeks.