Payday Loans in Lacoochee, Florida

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

Company nameAddressZip codePhone number
Centennial Bank 8232 Woodville Hwy, Tallahassee, FL 32305 +1 (850) 421 - 5747
ACE Cash Express 7921 Biscayne Blvd, Miami, FL 33138 +1 (305) 758 - 8526
Ameris Bank 18785 High Springs Main St, High Springs, FL 32643 +1 (386) 454 - 1785
Wells Fargo Bank 205 S Broadway Ave, Bartow, FL 33830 +1 (863) 533 - 7106
Advance America 5141 US-19, New Port Richey, FL 34652 +1 (727) 848 - 2441
The Check Cashing Store 319 N Dale Mabry Hwy, Tampa, FL 33609 +1 (813) 683 - 3398
Advance America 971 Atlantic Blvd, Atlantic Beach, FL 32233 +1 (904) 241 - 1934
Synovus Bank 8850 Tamiami Trail N, Naples, FL 34108 +1 (888) 796 - 6887
EMM Loans LLC - The Delbro Team 14497 N Dale Mabry Hwy 201, Tampa, FL 33618 +1 (813) 330 - 7939
Raymond James Financial Services 1445 Mariner Way, Tarpon Springs, FL 34689 +1 (727) 580 - 0979

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Lacoochee, FL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Gainesville, FL, 24-Hour Loan in Hialeah, FL, Payday Loans in Hollywood, FL, Payday Loans in Homestead, FL, Quick Loan in Jacksonville, FL, Bad Credit Loans in Jupiter, FL, Online Loans in Kissimmee, FL and Same Day Loans in Lake Worth, 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 Lacoochee, FL.

Beautiful sights of Lacoochee, FL

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

33537

Are Payday Loans Legal In Lacoochee, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Lacoochee, 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

Lacoochee, FL payday loan calculator

Payday Loans in Lacoochee, Florida

Payday loans are a popular, yet controversial, form of consumer credit. In Lacoochee, Florida, payday loans are a legal form of lending regulated by the Florida Office of Financial Regulation.

What Are Payday Loans?

Payday loans are short-term, high-interest loans designed to help borrowers cover unexpected expenses between paychecks. They are typically due on the borrower’s next payday and often carry interest rates of 400% or more.

Payday loans are a controversial form of lending because they can trap borrowers in a cycle of debt. Many borrowers take out payday loans to cover one expense, but then struggle to pay back the loan when it is due and end up taking out another loan to cover the previous one.

How Do Payday Loans Work in Lacoochee, Florida?

In Lacoochee, Florida, payday loans are legal and regulated by the Florida Office of Financial Regulation. According to state law, payday lenders must be licensed and comply with certain regulations to protect borrowers from predatory lending practices.

Payday lenders in Lacoochee may offer loans up to $500. The loan term must be between 7 and 31 days, and the interest rate is capped at 10% of the loan amount plus a verification fee of up to $5. The maximum finance charge on a $100 payday loan for 14 days is $16.11.

To obtain a payday loan in Lacoochee, borrowers must provide proof of income and a government-issued ID. Some lenders may also require a post-dated check or access to the borrower’s bank account for repayment.

The Pros and Cons of Payday Loans

  • Pros:
    • Quick and easy application process
    • No credit check required
    • No collateral required
  • Cons:
    • High interest rates and fees
    • Short repayment term can lead to a cycle of debt
    • Potential for predatory lending practices

While payday loans can be a valuable source of short-term credit for some borrowers, they also come with a significant risk of debt traps and predatory lending practices. Borrowers in Lacoochee and throughout Florida should carefully consider the pros and cons of payday loans before deciding to take one out.

Interesting Facts and Statistics About Payday Loans in Lacoochee, Florida

  • Number of payday lenders in Lacoochee: 1
  • Number of payday loans issued in Florida in 2019: 3.4 million
  • Average APR on payday loans in Florida: 304%
  • Number of payday loan complaints to the Florida Office of Financial Regulation in 2019: 2,128

As you can see, payday lending is a significant industry in Florida, with millions of loans issued each year. However, the high number of complaints to regulators is concerning and highlights the need for stronger consumer protections.

Apply Now

If you need a payday loan in Lacoochee or elsewhere in Florida, TheGuaranteedLoans can help connect you with potential lenders. Our application process is quick and easy, and we work with a network of trusted lenders to provide borrowers with competitive rates and terms.

It’s important to note that TheGuaranteedLoans is not a direct lender. We are a connector service that helps borrowers find potential lenders who may be able to meet their needs. We encourage all borrowers to carefully read the terms of any loan agreement before signing and to only borrow what they can afford to repay.

Ready to get started? Fill out our online application today and see if you qualify for a payday loan in Lacoochee or anywhere else in Florida.

F.A.Q.

What fees and interest rates are associated with payday loans in Lacoochee, Florida?

The fees and interest rates associated with payday loans in Lacoochee, Florida vary depending on the lender and the loan terms. In general, these loans have high interest rates and fees, which can make them expensive for borrowers to repay. It is important to carefully review the loan terms before agreeing to a payday loan in Lacoochee, Florida.

Can I rollover or renew my payday loan in Lacoochee, Florida?

In general, payday loans in Lacoochee, Florida cannot be rolled over or renewed. However, borrowers may be able to take out a new payday loan to pay off their existing loan if they are unable to repay it on time.