Payday Loans in Lake Geneva, Florida

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

Company nameAddressZip codePhone number
The Check Cashing Store 1931 Tamiami Trail 11, Port Charlotte, FL 33948 +1 (941) 255 - 8766
Suncoast Credit Union 5625 Seven Mile Dr Suite 102, Wildwood, FL 34785 +1 (800) 999 - 5887
Advance America 1545 County Rd 220 #118, Orange Park, FL 32003 +1 (904) 269 - 1465
Third Federal Savings & Loan 11707 N Dale Mabry Hwy, Tampa, FL 33629 +1 (813) 289 - 3671
Global Mart 320 Hibiscus St, Jupiter, FL 33458 +1 (561) 575 - 2337
Synovus Bank 463719 State Rd 200, Yulee, FL 32097 +1 (888) 796 - 6887
Payday Loans West Palm Beach West Palm Beach, FL 33412
Wells Fargo Bank 205 S Broadway Ave, Bartow, FL 33830 +1 (863) 533 - 7106
Ideal Lending Solutions 930 W Indiantown Rd #203, Jupiter, FL 33458 +1 (561) 530 - 5475
ACE Cash Express 13830 NW 27th Ave, Opa-locka, FL 33054 +1 (305) 687 - 9021

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Lake Geneva, FL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Saint Petersburg, FL, No Credit Check Loans in Sanford, FL, Payday Loans in Sarasota, FL, Payday Loans in Spring Hill, FL, Payday Loans in Tallahassee, FL, Payday Loans in Tampa, FL, Short-term Loans in The Villages, FL and No Credit Check Loans in Titusville, 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 Lake Geneva, FL.

Are Payday Loans Legal In Lake Geneva, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Lake Geneva, 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

Lake Geneva, FL payday loan calculator

Payday Loans in Lake Geneva, Florida

Are you facing unexpected expenses? You might be tempted to turn to Payday loans. Payday loans can give you quick access to cash, but they also come in with high-interest rates and fees. If you are considering a payday loan in Lake Geneva, Florida, here is everything you need to know.

What are Payday Loans?

Payday loans are short-term loans designed to provide quick access to cash. They are usually due on your next payday, which is where the name “payday loan” comes from. To get a payday loan, you typically write a post-dated check for the amount you are borrowing, plus fees and interest. The lender will then deposit the check after your payday. If you are unable to repay the loan on time, you might be able to roll it over for an additional fee.

Are Payday Loans Legal in Lake Geneva, Florida?

Yes, payday loans are legal in Lake Geneva, Florida. Florida law regulates payday loans and limits the fees and interest that lenders can charge. According to the law, the maximum amount you can borrow is $500, and the maximum fee is 10% of the loan amount. The loan term must be between seven and 31 days.

What are the Pros and Cons of Payday Loans?

Before you take out a payday loan, it is important to understand the advantages and disadvantages. Some of the pros include:

  • Easy to qualify for: Payday loans typically have less stringent requirements than traditional loans, making them more accessible.
  • Quick access to cash: If you need money fast, payday loans can provide it to you with little hassle.
  • No credit check: Payday lenders usually don’t check your credit, which means you might be able to get a loan even if you have bad credit.

However, there are also several cons to consider:

  • High-interest rates: Payday loans have extremely high-interest rates compared to other types of loans, and lenders are required by law to disclose the APR upfront. The average APR on a payday loan in Florida is 304%.
  • Fees: Lenders can charge several fees in addition to interest, including application fees, late fees, and prepayment fees. These fees can quickly add up.
  • Risk of debt cycle: Because payday loans are due on your next payday, you might find yourself struggling to repay the loan and rollover it over, resulting in a cycle of debt.

How to Apply for a Payday Loan in Lake Geneva, Florida

Applying for a payday loan in Lake Geneva, Florida is easy. Here are the steps you need to take:

  • Fill out an online application on TheGuaranteedLoans website. Remember, we are not a direct lender, but a connector service that will facilitate your connection with potential lenders.
  • Provide basic personal and financial information, including your income and bank account details.
  • Agree to the loan terms, including fees and interest.
  • Sign the loan agreement and receive your funds.

Interesting Facts and Statistics About Payday Loans in Lake Geneva, Florida

  • In 2020, over 1.7 million payday loans were issued in Florida. (Source: Florida Office of Financial Regulation)
  • The average payday loan in Florida is $375. (Source: Florida Office of Financial Regulation)
  • In Lake Geneva, Florida, there are several payday loan storefronts to choose from. However, online lending is also an option for those who prefer a more convenient application process.

Conclusion

Payday loans can be a useful tool for those who need quick access to cash. However, they come with high-interest rates and fees, and they can result in a cycle of debt if not handled responsibly. Before you take out a payday loan, make sure you understand all the costs involved and consider alternatives like personal loans or credit cards. Apply for a loan on our website to be connected with potential lenders and get the funds you need.

Apply Now

Fill out our online application for a payday loan in Lake Geneva, Florida. We work with a network of lenders who can provide you with quick and reliable access to cash. Remember, TheGuaranteedLoans is a connector service, not a direct lender, and we are committed to connecting you with the right lender for your needs. Apply now and get the funds you need!

F.A.Q.

Can I be denied a payday loan in Lake Geneva, Florida if I have filed for bankruptcy?

Yes, payday lenders in Lake Geneva, Florida are allowed to deny loans to borrowers who have filed for bankruptcy. This is because borrowers who have filed for bankruptcy are considered to be high-risk and may be unable to repay their loans.

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

No, it is not a good idea to take out a payday loan in Lake Geneva, 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.