Payday Loans in Highland City, Florida

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

Company nameAddressZip codePhone number
SunTrust Bank 10520 Hutchison Blvd, Panama City Beach, FL 32407 +1 (850) 708 - 6902
Drummond Community Bank 104 NE Hwy 351, Cross City, FL 32628 +1 (352) 498 - 7733
Advance America 5230 Baymeadows Rd Ste. 5, Jacksonville, FL 32217 +1 (904) 733 - 4234
SunTrust 5760 State St, Belleview, FL 34420 +1 (352) 203 - 6076
CAMPUS USA Credit Union Jonesville 107 NW 140th Terrace, Newberry, FL 32669 +1 (352) 335 - 9090
Bank of America with Drive-thru ATM 5780 20th St, Vero Beach, FL 32966 +1 (772) 564 - 8181
Check 'n Go 4460 S Cleveland Ave, Fort Myers, FL 33901 +1 (239) 275 - 4920
Space Coast Credit Union 1160 Rockledge Blvd, Rockledge, FL 32955 +1 (321) 752 - 2222
Embassy Loans 400 Village Blvd, Unit C, West Palm Beach, FL 33409 +1 (866) 277 - 5796
Professional Closing Inc 25 Old Kings Rd N 4a, Palm Coast, FL 32137 +1 (386) 447 - 7190

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Highland City, FL, you can try to find different companies in big cities near by. Check out the following pages here: Quick Loan in Jacksonville, FL, Payday Loans in Jupiter, FL, Payday Loan for Kissimmee, FL, Payday Loans in Lake Worth, FL, Payday Loans in Lakeland, FL, Payday Loans in Land O' Lakes, FL, Payday Loans in Largo, FL and Payday Loans in Lehigh Acres, 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 Highland City, FL.

Beautiful sights of Highland City, FL

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

33846

Are Payday Loans Legal In Highland City, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Highland City, 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

Highland City, FL payday loan calculator

Understanding Payday Loans in Highland City, Florida

Payday loans are a type of short-term loan designed to financially support individuals who are struggling to make ends meet before their next paycheck arrives. These loans are legal in Florida, including Highland City, but it is crucial to comprehend the associated risks and advantages before applying. In this article, we will explain how payday loans work and elucidate the key considerations when contemplating getting one in Highland City, Florida.

How Do Payday Loans Work?

Payday loans in Florida typically range from $100 to $500 and require repayment within 14 to 31 days. To qualify for a payday loan in Highland City, Florida, borrowers must be at least 18 years old, have a government-issued ID, and a steady income source. The loan is secured by a postdated check for the loan amount and the lender’s fees. On the loan’s due date, the borrower may pay off the loan fee or roll over the loan by transferring the loan fee and extending the due date. Nevertheless, rolling over a loan will result in accruing additional fees and interest.

The Pros and Cons of Payday Loans

Like any financial product, payday loans have their advantages and disadvantages. Here are some of the most noteworthy:

  • Pros:
    • Quick access to funds: The application process is simple and speedy, and the money is usually available on the same day.
    • No collateral: Payday loans are unsecured, meaning that there is no need for additional collateral to secure the loan.
    • No credit checks: Payday lenders typically don’t consider credit history when deciding whether to lend you money.
  • Cons:
    • High costs: Payday loans charge incredibly high-interest rates and fees. Consequently, the annual percentage rate (APR) for payday loans is often over 400%.
    • Can lead to debt: Payday loans are short-term loans, but when borrowers continually roll over their loans, they can struggle to pay off the loan principal and end up in a cycle of debt.
    • No installment option: Unlike installment loans that allow borrowers to make payments over time, payday loans require the borrower to repay the full loan and fee amount in a lump sum, making it difficult for some individuals.

Interesting Facts and Statistics about Payday Loans in Highland City, Florida

  • In 2019, Florida had the third-highest payday loan fees in the nation, totaling $311 million.
  • In 2020, the average payday loan in Florida was $398, and the annual percentage rate was 304%.
  • According to a study by Pew Charitable Trusts, the average payday borrower takes out eight payday loans of $375 each per year.

Applying for a Payday Loan through TheGuaranteedLoans

TheGuaranteedLoans is a connector service that can help you find a suitable lender for your payday loan. Applying for a payday loan through TheGuaranteedLoans is both easy and convenient. Our online application process is quick, and we do not perform credit checks. Our service is fast, confidential, and secure. If we manage to connect you with a lender, you will receive a loan agreement outlining all the terms and conditions of the loan. Ensure you read the agreement carefully and only accept it if you agree with the terms.

Note:

TheGuaranteedLoans is not a direct lender. We do not make lending decisions or provide funding directly. Instead, we connect borrowers to potential lenders. Once you accept your lender’s terms, they will provide you with the funds directly. Payday loans are not always the best financial solution. Still, if you determine that you need financial support before your next paycheck, then applying for a payday loan through a trusted connector service like TheGuaranteedLoans may be an option worth considering.

F.A.Q.

Are payday loans in Highland City, Florida regulated by the state government?

Yes, payday loans in Highland City, Florida are regulated by the state government. The Florida Office of Financial Regulation is responsible for overseeing the payday lending industry and enforcing laws and regulations related to payday loans.

Are there any alternatives to payday loans in Highland City, Florida?

Yes, there are several alternatives to payday loans in Highland City, Florida that may be more affordable and less risky for borrowers. These options include credit union loans, community development financial institution loans, and small personal loans from banks or online lenders.