Payday Loans in Laurel, Florida

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

Company nameAddressZip codePhone number
The Check Cashing Store 51 Homestead Rd, Lehigh Acres, FL 33936 +1 (239) 368 - 4692
American Pawn 14 SW 1st Ave, Ocala, FL 34471 +1 (352) 629 - 7891
MoneyGram 1717 E Oak St, Arcadia, FL 34266 +1 (863) 494 - 2465
Capital Funding Financial LLC 5550 Glades Rd Ste 200, Boca Raton, FL 33431 +1 (954) 320 - 0242
Liberty Bank 4450 Bonita Beach Rd SW 15th, Bonita Springs, FL 34134 +1 (239) 495 - 0243
FlexPath Capital, Inc 35095 US Hwy 19 N 104, Palm Harbor, FL 34684 +1 (855) 933 - 8631
Capital City Bank 350 N Temple Ave, Starke, FL 32091 +1 (904) 964 - 7050
Check Cashing USA 10920 W Flagler St, Miami, FL 33174 +1 (305) 553 - 2274
Affinity Capital Corporation 1307 NE Sunview Terrace, Jensen Beach, FL 34957 +1 (772) 934 - 6556
Morgan Stanley 3525 Ocean Dr, Vero Beach, FL 32963 +1 (772) 231 - 3800

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Laurel, FL, you can try to find different companies in big cities near by. Check out the following pages here: Guaranteed Loans in Boca Raton, FL, No Credit Check Loans in Bonita Springs, FL, No Credit Check Loans in Boynton Beach, FL, Payday Loans in Bradenton, FL, Payday Loans in Brandon, FL, Payday Loans in Cape Coral, FL, Short-term Loans in Clearwater, FL and Payday Loans in Clermont, 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 Laurel, FL.

Beautiful sights of Laurel, FL

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

34272

Are Payday Loans Legal In Laurel, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Laurel, 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

Laurel, FL payday loan calculator

Payday Loans in Laurel, Florida: What You Need to Know

Payday loans, also called cash advances, are a popular way for people to borrow money when they need it quickly. These types of loans are available in Laurel, Florida, and they can be a lifesaver for people who are facing unexpected expenses such as car repairs, medical bills, or home repairs. But before you get a payday loan, it’s important to understand how they work and what the risks are.

How does a payday loan work?

A payday loan is a short-term, high-interest loan that is usually due on your next payday. To get a payday loan in Laurel, Florida, you will need to provide proof of income, such as a pay stub or bank statement, and a postdated check or authorization to electronically debit your bank account. The loan amount is usually limited to a percentage of your income, and the interest rate can be as high as 400% or more.

Once you are approved for the loan, you will receive the money in cash or deposited into your bank account. You will be required to repay the loan on your next payday, along with the interest and any fees.

What are the risks?

Payday loans can be expensive and can lead to a cycle of debt for people who are already struggling to make ends meet. If you are unable to repay the loan on time, the lender may charge additional fees or interest, and you may be at risk of having your bank account overdrawn or your wages garnished.

It is important to only borrow what you can afford to repay and to carefully read the terms and conditions of the loan agreement. You should also consider alternative options, such as borrowing from friends or family, negotiating a payment plan with your creditors, or applying for a traditional loan from a bank or credit union.

What are the benefits?

Despite the risks, payday loans can be beneficial in certain situations. For example, if you need money quickly to pay for a necessary expense and have no other options. Payday loans can also be a way to avoid bouncing checks or incurring overdraft fees on your bank account.

Additionally, payday loans may be a good option for people who have poor credit or no credit history, as the lender is primarily concerned with your ability to repay the loan based on your income.

Interesting Facts and Statistics about Payday Loans in Laurel, Florida

  • Florida law allows payday loans up to $500, with a maximum loan term of 31 days and a maximum finance charge of 10% of the loan amount plus verification fee.
  • In 2019, Floridians took out 7.7 million payday loans, totaling $3.1 billion in loans.
  • Each borrower in Florida takes out an average of 7 payday loans per year.
  • Florida has the highest payday loan usage rate in the country, with almost 10% of adults using a payday loan in the past year.

Apply Now:

If you are considering a payday loan and are in need of quick cash, TheGuaranteedLoans can help you connect with potential lenders in Laurel, Florida. Remember, we are a connector service and not a direct lender. You can fill out an online application on our website, providing your basic information and the amount you need to borrow. We will then match you with a lender who may be able to provide you with the funds you need. Keep in mind that payday loans are not for everyone, and you should only borrow what you can afford to repay.

Remember, before you borrow:

  • Take the time to read and understand the loan agreement.
  • Compare lenders to find the best rates and terms.
  • Explore alternative options, such as borrowing from friends or family.
  • Only borrow what you can afford to repay.

Conclusion

Payday loans can be a useful tool for people who need quick cash in an emergency. However, they are not a long-term solution to financial problems and can have serious consequences if you are unable to repay the loan on time. Before taking out a payday loan, consider all your options and weigh the risks and benefits. If you do decide to borrow, make sure you fully understand the terms and conditions of the loan, and only borrow what you can afford to repay.

F.A.Q.

Can I get a payday loan in Laurel, Florida if I am a military member?

Yes, you may be able to get a payday loan in Laurel, Florida if you are a military member. However, the terms and conditions of the loan may be different for military members due to federal laws that regulate payday lending to active duty military members.

What are payday loans in Laurel, Florida?

Payday loans in Laurel, 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.