Payday Loans in Kenansville, Florida

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

Company nameAddressZip codePhone number
Cash America Pawn 2397 S French Ave, Sanford, FL 32771 +1 (407) 323 - 3771
Fort Lauderdale Payday Loans 2787 E Oakland Park Blvd, Fort Lauderdale, FL 33306
BB&T 2318 James L Redman Pkwy, Plant City, FL 33563 +1 (813) 759 - 1240
Fifth Third Bank & ATM 650 W Elkcam Cir, Marco Island, FL 34145 +1 (239) 389 - 1800
Cash America Pawn 591 S Semoran Blvd, Winter Park, FL 32792 +1 (407) 657 - 7127
Payday Loans Delray Beach Delray Beach, FL 33444
Eglin Federal Credit Union 4558 FL-20, Niceville, FL 32578 +1 (850) 862 - 0111
The Check Cashing Store 2100 45th St B-25, West Palm Beach, FL 33407 +1 (561) 842 - 3249
Raymond James & Associates 2101 SE US Hwy 19, Crystal River, FL 34429 +1 (352) 795 - 6155
BB&T 6061 Estero Blvd, Fort Myers Beach, FL 33931 +1 (239) 463 - 7711

Payday Loan Companies in Nearby Cities

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

Beautiful sights of Kenansville, FL

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

34739

Are Payday Loans Legal In Kenansville, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Kenansville, 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

Kenansville, FL payday loan calculator

Everything You Need to Know About Payday Loans in Kenansville, Florida

Are you facing a financial emergency? Maybe your car broke down, you have an unexpected medical bill, or you need money to pay rent. Whatever the case may be, sometimes you need cash fast, and payday loans can seem like an attractive solution. While payday loans can provide short-term relief, they can also be risky and lead to a cycle of debt if not used responsibly. In this article, we’ll explore everything you need to know about payday loans in Kenansville, Florida, including their regulation, costs, and risks.

What Are Payday Loans?

Payday loans are short-term loans that typically range from $100 to $1,000, depending on your income and state regulations. They are designed to be repaid by your next payday, usually within two to four weeks, with interest and fees. Unlike traditional bank loans, payday loans require minimal documentation and credit checks, making them accessible to people with poor credit or no credit.

Regulation of Payday Loans in Kenansville, Florida

Payday loans are legal in Florida, but state regulations limit the amount you can borrow and the fees you can be charged. In Florida, you can borrow up to $500 at a time, with a maximum fee of 10% of the loan amount and a 24-hour cooling-off period between loans. This means you must wait 24 hours after paying off a loan before taking out another one. Additionally, lenders are required to provide you with a written agreement that details the loan’s terms and conditions, including the fees and interest rate.

Costs of Payday Loans

Payday loans can be expensive, with annual percentage rates (APRs) that can reach 400% or more. For example, if you borrow $100 with a 10% fee, the APR would be 260% if you repay the loan in 14 days. If you roll over the loan for another 14 days, you would be charged another 10% fee, plus additional interest, and the APR would increase to 520%. This is why it’s essential to understand the costs of payday loans and to only borrow what you can afford to repay.

Risks of Payday Loans

While payday loans can provide quick cash, they can also lead to a cycle of debt if not used responsibly. If you can’t repay the loan on your next payday, you may be tempted to roll it over, which means paying additional fees and interest to extend the loan’s due date. This can quickly add up and lead to a cycle of debt that is difficult to break. Additionally, some payday lenders may require access to your bank account or ask you to write a post-dated check as collateral, which can lead to overdraft fees or bounced checks if funds are not available.

Interesting Facts and Statistics About Payday Loans in Kenansville, Florida

– According to a 2020 Pew Charitable Trusts report, 7% of Florida adults have used a payday loan in the past five years.
– Florida law requires payday lenders to offer borrowers a 60-day grace period if they are unable to repay the loan.
– Payday lenders in Florida made more than $1.3 billion in loans in 2018, with more than 7.7 million loans issued.

Apply Now

If you’re considering a payday loan in Kenansville, Florida, it’s important to understand the risks and costs involved. At TheGuaranteedLoans, we can help you connect with a network of lenders who may be able to provide you with a loan that fits your needs and budget. Our online application process is fast and easy, and you can receive an offer within minutes. Remember, we are a connector service, not a direct lender, and we will facilitate your connection with potential lenders. Apply now and take the first step towards getting the cash you need.

F.A.Q.

Can I be arrested for not paying back a payday loan in Kenansville, Florida?

No, it is illegal for a payday lender in Kenansville, Florida to threaten or attempt to arrest you for not paying back a payday loan. If you are being threatened with arrest, you should contact the Florida Office of Financial Regulation for assistance.

Can payday lenders charge late fees in Kenansville, Florida?

Yes, payday lenders in Kenansville, Florida are allowed to charge a late fee of up to 5% of the unpaid loan amount if the loan is not repaid by the due date.