Payday Loans in La Crosse, Florida

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

Company nameAddressZip codePhone number
floridacentral Credit Union 1600 Tamiami Trail, Port Charlotte, FL 33948 +1 (941) 627 - 4900
TD Bank 1811 FL-44, New Smyrna Beach, FL 32168 +1 (386) 428 - 3926
Santa Rosa County Credit Union 3772 US-90, Milton, FL 32571 +1 (850) 995 - 1777
ACE Cash Express 1948 E Osceola Pkwy, Kissimmee, FL 34743 +1 (407) 344 - 0604
R & S Pawn 116 W Broadway St, Fort Meade, FL 33841 +1 (863) 285 - 6400
Advance America 4912 Malloy Plaza, Marianna, FL 32448 +1 (850) 482 - 1125
Bank of America with Drive-thru ATM 205 N Parrott Ave, Okeechobee, FL 34972 +1 (863) 357 - 4200
Lendmark Financial Services LLC 4761 Bayou Blvd Suite B-5, Pensacola, FL 32503 +1 (850) 479 - 8397
SunTrust 106 Brevard Ave, Cocoa, FL 32922 +1 (321) 456 - 8015
McCoy Federal Credit Union - VA Office 13800 Veterans Way, Orlando, FL 32827 +1 (407) 855 - 5452

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in La Crosse, FL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Boynton Beach, FL, Short-term Loans in Bradenton, FL, Payday Loans in Brandon, FL, Payday Loans in Cape Coral, FL, Emergency Loan in Clearwater, FL, Payday Loans in Clermont, FL, Payday Loans in Daytona Beach, FL and Payday Loans in Deerfield Beach, 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 La Crosse, FL.

Beautiful sights of La Crosse, FL

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

32658

Are Payday Loans Legal In La Crosse, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in La Crosse, 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

La Crosse, FL payday loan calculator

The Ins and Outs of Payday Loans in La Crosse, Florida

If you are facing a financial crunch and do not have enough savings or credit scores to qualify for a traditional loan, payday loans can be a lifesaver. Payday loans are short-term, high-interest loans that provide funds quickly when you need them the most. Although they are a viable option for emergency situations, payday loans can trap borrowers in debt cycles if not used wisely.

In this article, we will provide comprehensive information on payday loans in La Crosse, Florida. We will discuss the legal aspects, eligibility criteria, loan amounts, repayment terms, fees, and other essential information.

Payday Loans Legality in Florida

Payday loans are legal in Florida, and there are specific laws that lenders must comply with. The Florida Office of Financial Regulation regulates payday lending, and lenders need to obtain a license to offer such loans.

Florida law limits payday loan amounts to $500 at a time, with a maximum loan term of 31 days. Borrowers cannot take out more than one payday loan at a time and must wait for at least 24 hours before applying for another loan. Lenders cannot charge more than 10% as interest on the loan amount, and the fee for a payday loan can be up to 5% of the borrowed amount.

Eligibility Criteria

To apply for a payday loan in La Crosse, Florida, you need to meet certain eligibility criteria. You must be at least 18 years old and have a valid government-issued photo ID, proof of a regular income source, and an active checking account. Some lenders may have additional requirements, such as a minimum credit score or a phone number to verify your identity.

Loan Amounts and Repayment Terms

Payday loan amounts in Florida range from $100 to $500, depending on the lender and your eligibility. You can choose to repay the loan either in person at the lender’s office or through an automatic withdrawal from your bank account on the due date.

Although the maximum term for payday loans in Florida is 31 days, you can request an extension of up to 60 days if you are unable to repay the loan on time. However, lenders cannot charge additional fees for extensions, and you may face additional interest charges.

Fees and Charges

Payday loans in Florida come with high-interest rates and fees, and it is crucial to understand the costs associated with these loans. Lenders can charge up to 10% of the borrowed amount as interest and up to 5% as a fee. For a $100 loan, the fees and interest charges can add up to $15.

If you are unable to repay the loan on time, you may face additional fees and interest charges. Some lenders may charge late payment fees, and others may refer your debt to a collection agency. It is essential to read the loan agreement carefully before signing up to understand the charges and fees associated with the loan.

Interesting Facts about Payday Loans in La Crosse, Florida

  • In 2019, Florida payday lenders issued 7.7 million loans, totaling $3.1 billion.
  • The average payday loan in Florida is for $400
  • Florida has the highest concentration of payday lenders in the United States, with about 1,000 storefronts and hundreds of online lenders
  • The average APR for payday loans in Florida is 304%, which is one of the highest rates in the country.

Apply Now

If you need quick funds to cover an unexpected expense, TheGuaranteedLoans can connect you with potential lenders who offer payday loans in La Crosse, Florida. Apply now, and we will provide you with multiple loan options to choose from.

Please note that TheGuaranteedLoans is not a direct lender and does not make credit decisions. We only act as a connecting service and will match you with potential lenders based on your eligibility criteria. If you choose to accept a loan, make sure to read the loan agreement carefully before signing up to understand the costs, fees, and repayment terms associated with the loan.

Conclusion

Payday loans can be a viable option for emergency situations; however, they come with high-interest rates and fees. Make sure to borrow only what you can afford to repay and read the loan agreement carefully before signing up. By understanding the legal aspects, eligibility criteria, fees, and other essential information, you can make an informed decision about whether payday loans are right for you.

F.A.Q.

What are payday loans in La Crosse, Florida?

Payday loans in La Crosse, 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.

What are the eligibility requirements for payday loans in La Crosse, Florida?

To be eligible for a payday loan in La Crosse, Florida, borrowers must be at least 18 years old, have a regular source of income, and have an active checking account.