Payday Loans in Istachatta, Florida

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

Company nameAddressZip codePhone number
Glades Pawn 7423 US Hwy 27 S, Sebring, FL 33876 +1 (863) 471 - 1234
Payday Loans Pembroke Pines Pembroke Pines, FL 33025
Bank of America with Drive-thru ATM 7485 Broad St, Brooksville, FL 34601 +1 (352) 799 - 3118
First Federal Bank 1891 S 14th St, Fernandina Beach, FL 32034 +1 (904) 321 - 0400
BB&T 2318 James L Redman Pkwy, Plant City, FL 33563 +1 (813) 759 - 1240
Payday Loans Pensacola 399 Keys Ct, Pensacola, FL 32505
Merchant Banks of Alabama 17361 Perdido Key Dr, Pensacola, FL 32507 +1 (850) 492 - 0203
Advance America 1119 Homestead Rd N #18, Lehigh Acres, FL 33936 +1 (239) 369 - 2331
SunTrust Bank 500 3rd Street, Neptune Beach, FL 32266 +1 (904) 853 - 2119
Advance America 2170 SE Federal Hwy, Stuart, FL 34994 +1 (772) 288 - 2448

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Istachatta, FL, you can try to find different companies in big cities near by. Check out the following pages here: Short-term Loans in Sarasota, FL, Quick Loan in Spring Hill, FL, Payday Loans in Tallahassee, FL, 24-Hour Loan in Tampa, FL, Payday Loans in The Villages, FL, Same Day Loans in Titusville, FL, Payday Loan for Valrico, FL and Payday Loan for Wesley Chapel, 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 Istachatta, FL.

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

34636

Are Payday Loans Legal In Istachatta, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Istachatta, 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

Istachatta, FL payday loan calculator

Payday Loans in Istachatta, Florida: A Comprehensive Guide

Money woes can strike anyone, anytime. Maybe you have a sudden medical emergency or car repair expense or some unexpected bills to pay. Whatever the reason, if you need quick cash and don’t have enough savings to cover the expenses, a payday loan can be a quick solution. In Florida, payday loans are legal, and Istachatta is no exception.

What are Payday Loans?

Payday loans are short-term, high-interest loans that you can use when you need urgent cash. Typically, payday loans have a two-week term and are secured by a post-dated personal check or an authorization to debit the borrower’s bank account on the due date. The loan amount usually ranges from $100 to $500, depending on the borrower’s income.

How do Payday Loans Work in Istachatta, Florida?

In Florida, payday loans are regulated by the Florida Office of Financial Regulation. According to Florida law, payday lenders cannot charge more than 10% interest on the loan amount and a verification fee up to $5. Moreover, the lender cannot lend you more than $500 or take more than one loan at a time. The repayment term for a payday loan in Florida is 7-31 days.

When you apply for a payday loan, the lender will ask for your personal and financial details, such as your name, address, income, and bank account information. If you meet the lender’s requirements, you will receive the loan amount in cash or deposited into your account. On the due date, the lender will cash your post-dated check or debit your account for the loan amount, plus interest and fees.

Who Can Get a Payday Loan in Istachatta, Florida?

To qualify for a payday loan in Istachatta, Florida, you must meet the following requirements:

  • You must be at least 18 years old.
  • You must be a Florida resident and have a valid ID.
  • You must have a steady source of income, such as a job, pension, or government benefits.
  • You must have an active checking account.

What are the Pros and Cons of Payday Loans?

Like any financial product, payday loans have their pros and cons. Here are some benefits and drawbacks of payday loans:

Pros:

  • Quick and easy approval process
  • No credit check or collateral needed
  • Can help in emergency situations

Cons:

  • High-interest rates and fees
  • Short repayment term
  • May lead to debt cycle if not paid on time

Interesting Facts about Payday Loans in Istachatta, Florida

Here are some interesting statistics about payday loans in Istachatta, Florida:

  • According to the Florida Office of Financial Regulation, there were 8.4 million payday loans taken out in Florida in 2019, worth a total of $3.1 billion.
  • The average payday loan amount in Florida is $375, and the average APR is 304%.
  • Payday lenders in Florida charge $5,000 in fees for every $100 million in loans issued.

Apply Now

At TheGuaranteedLoans, we can help connect you with lenders who offer payday loans in Istachatta, Florida. Our application process is quick, easy, and secure. Simply fill out our online application form, and we will match you with lenders who fit your needs and requirements. Please note, we are a loan connecting service and not a direct lender. We work with several reputable lenders to give you the best options available for your loan needs.

Final Thoughts

Payday loans can be a quick solution to your financial emergencies, but they come with high costs. Before taking out a payday loan, make sure you understand the terms and conditions, and have a plan to repay it on time. Always take advantage of state and federal consumer protection laws, such as those provided by the Florida Office of Financial Regulation.

At TheGuaranteedLoans, we strive to provide valuable and accurate information to our users. We hope this article has helped you understand more about payday loans in Istachatta, Florida and feel confident in your decision-making process. Feel free to contact us if you have any questions or concerns.

F.A.Q.

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

No, it is not a good idea to take out a payday loan in Istachatta, 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 Istachatta, Florida?

To find a reputable payday lender in Istachatta, 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.