Payday Loans in Mc Alpin, Florida

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

Company nameAddressZip codePhone number
The Check Cashing Store 1720 S McCall Rd Unit P, Englewood, FL 34223 +1 (941) 473 - 1488
San Antonio Citizens Federal Credit Union 7301 Gall Blvd, Zephyrhills, FL 33541 +1 (352) 588 - 2732
SunTrust Mortgage 11721 Boyette Road, Riverview, FL 33569 +1 (813) 786 - 3718
Railroad & Industrial Federal Credit Union 2271, 36239 FL-54, Zephyrhills, FL 33541 +1 (813) 621 - 6661
Florida Business Bank 340 N Harbor City Blvd, Melbourne, FL 32935 +1 (321) 253 - 1555
Wells Fargo Bank 1860 S 8th St, Fernandina Beach, FL 32034 +1 (904) 277 - 1925
Advance America 3760 S Suncoast Blvd, Homosassa, FL 34448 +1 (352) 628 - 2005
Lafayette State Bank 340 W Main St, Mayo, FL 32066 +1 (386) 294 - 1901
PennyMac Loan Services 9009 Corporate Lake Drive Suites 100 and 320, Tampa, FL 33634 +1 (813) 498 - 0886
SunTrust 595 Cypress Gardens Blvd Ste. 101 Ste. 101, Winter Haven, FL 33880 +1 (863) 297 - 6800

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Mc Alpin, FL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Cape Coral, FL, Same Day Loans in Clearwater, FL, Payday Loans in Clermont, FL, Short-term Loans in Daytona Beach, FL, Online Loans in Deerfield Beach, FL, Payday Loan Without a Credit Check in Deland, FL, Payday Loans in Delray Beach, FL and Online Loans in Deltona, 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 Mc Alpin, FL.

Beautiful sights of Mc Alpin, FL

Are Payday Loans Legal In Mc Alpin, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Mc Alpin, 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

Mc Alpin, FL payday loan calculator

Payday Loans in Mc Alpin, Florida: Everything You Need to Know

Are you facing a financial emergency in Mc Alpin, Florida, and need cash right away? Do you have bad credit or no credit history to qualify for a traditional loan? A payday loan may be a quick solution for you. In this article, we’ll cover all the details you need to know about payday loans in Mc Alpin, Florida, and how to get one.

What are Payday Loans?

Payday loans are short-term loans designed to aid borrowers in a financial emergency. These loans are typically small amounts, ranging from $100 to $1000, and require repayment by the borrower’s next payday. In Florida, payday loans are legal and regulated by state law.

Eligibility for a Payday Loan in Mc Alpin, Florida

Eligibility for a payday loan in Mc Alpin, Florida, is straightforward. Applicants must be at least 18 years old, have a valid ID, proof of income, and an active checking account. In Florida, payday lenders may not require collateral or a minimum credit score to qualify for a loan.

  • ID: Applicants must have a government-issued ID, such as a passport or driver’s license.
  • Proof of income: Lenders require applicants to provide proof of income, such as a pay stub or bank statement. Unemployed individuals or those on welfare may not qualify for a payday loan.
  • Checking account: Applicants must have an active checking account to receive the loan proceeds. Lenders typically require borrowers to provide a post-dated check for the loan amount and fees due on the borrower’s next payday.

How to Apply for a Payday Loan

Applying for a payday loan in Mc Alpin, Florida, is quick and easy. Many lenders offer online applications, allowing borrowers to apply from the convenience of their own homes. Here are the general steps to follow:

  • Fill out the application: Provide personal information and proof of income on the lender’s website or in-person at their location.
  • Agree to terms: Review the loan terms, including interest rates and fees, and sign the agreement.
  • Receive funds: If approved, borrowers can typically receive the loan proceeds within one business day. Lenders may offer the funds via direct deposit, check, or prepaid debit card.
  • Repay the loan: Repay the loan on the due date, typically the borrower’s next payday. Lenders may offer repayment options, including post-dated checks, automatic withdrawal, or online payment portals.

Interest Rates and Fees

Florida law limits the interest rate on payday loans to 10% of the loan amount, plus a verification fee of up to $5. For example, on a $100 payday loan, the maximum interest and fees a lender may charge is $15. Borrowers should carefully review the loan terms and fees before agreeing to a payday loan. In some cases, lenders may charge additional fees, such as late payment fees or rollover fees.

Interesting Facts and Statistics about Payday Loans in Mc Alpin, Florida

  • According to the Florida Office of Financial Regulation, there were 276,717 payday loans made in Florida in the first quarter of 2021, with a total loan amount of $520,379,855.
  • Florida law limits borrowers to one outstanding payday loan at a time and requires lenders to offer a 24-hour cooling-off period between loans.
  • In Florida, payday lenders must prominently display their interest rates and fees at their location and on their website.

Apply Now

TheGuaranteedLoans offers a convenient platform for borrowers to connect with potential payday lenders in Mc Alpin, Florida. Our online application process is fast, secure, and easy to use. Click the “Apply Now” button to get started!

Please note that TheGuaranteedLoans is not a direct lender but rather a connector service. We work with a network of trusted lenders to find borrowers the best loan options available for their unique situation.

In conclusion, payday loans in Mc Alpin, Florida, can help individuals facing a financial emergency. However, borrowers should carefully review the loan terms and fees before agreeing to a loan. TheGuaranteedLoans offers a convenient platform to connect borrowers with potential payday lenders. Remember, we are here to help!

F.A.Q.

Are payday loans legal in Mc Alpin, Florida?

Yes, payday loans are legal in Mc Alpin, Florida and are regulated by the Florida Office of Financial Regulation.

What are the maximum loan amounts and interest rates for payday loans in Mc Alpin, Florida?

The maximum loan amount for a payday loan in Mc Alpin, Florida is $500, and the maximum interest rate is 10% per month.