Payday Loans in Merritt Island, Florida

All Credits Welcome!

If you have a bad credit score, then don’t worry – it’s not an issue for us!

TGL Loan Services

You can get your money fast after filling out the simple form on the "Get Started" page! Lenders cannot guarantee the approval, but they could approve your loans, even if you are unemployed, receiving government benefits.

Fast Money In Your Bank

You can get your money within hours after filling out the form! We work 24/7 for you!
  • This form is protected with secure 256-bit SSL encryption
  • By clicking “Get Started”, I consent and agree to the Privacy Policy and Terms of Use.

Payday Loan Companies in Merritt Island, FL

Company nameAddressZip codePhone number
Addition Financial 1380 N Courtenay Pkwy 32953 +1 (407) 896 - 9411
Advance America 76 E Merritt Island Causeway #103 32952 +1 (321) 454 - 9990
Advance America 76 E Merritt Island Causeway STE 103 32952 +1 (321) 454 - 9990
CenterState Bank 291 N Courtenay Pkwy 32953 +1 (321) 459 - 1461
Community Bank of the South 277 N Sykes Creek Pkwy 32953 +1 (321) 452 - 0420
Florida Cash Express - Merritt Island 405 E Merritt Island Causeway 32952 +1 (321) 454 - 7284
Patrick Coyne - Raymond James 2395 N Courtenay Pkwy 32953 +1 (877) 953 - 7526
Space Coast Credit Union 445 Fortenberry Rd 32952 +1 (321) 752 - 2222
SunTrust 775 E Merritt Island Causeway Ste 100 32952 +1 (321) 604 - 4600
Synovus Bank 2105 N Courtenay Pkwy 32953 +1 (888) 796 - 6887

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Merritt Island, FL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Without a Credit Check in Miami, FL, Payday Loans in Miami Beach, FL, Payday Loans in Navarre, FL, Online Loans in North Fort Myers, FL, Payday Loans in North Miami Beach, FL, Payday Loans in North Port, FL, Emergency Loan in Ocala, FL and Quick Loan in Ocoee, 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 Merritt Island, FL.

Beautiful sights of Merritt Island, FL

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

32954, 32952, 32953

Are Payday Loans Legal In Merritt Island, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Merritt Island, 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

Merritt Island, FL payday loan calculator

Payday Loans in Merritt Island, Florida

If you live in Merritt Island, Florida, you may be considering taking out a payday loan. Payday loans in the state of Florida are legal, and this article will provide insight into the fees, regulations, and legal obligations associated with taking out a payday loan.

What Are Payday Loans?

Payday loans, also referred to as cash advances or paycheck advances, are short-term loans that are meant to help borrowers cover their expenses until their next payday. These loans are unsecured, meaning they do not require collateral or a credit check to be approved.

Do Payday Loans Have Fees?

Payday loans do have fees attached to them. In the state of Florida, lenders are permitted to charge up to 10 percent of the loan’s face value as a fee. Additionally, lenders may also charge a processing fee of up to $5.

What Are the Regulations on Payday Loans?

In the state of Florida, payday loans cannot be for more than $500, and the term of the loan cannot exceed 31 days. Borrowers must repay the loan in full by the end of the loan period, including the fees. If a borrower is unable to pay back the loan, the lender may extend the loan for another 31 days, but only one extension is allowed.

What Are the Legal Obligations for Payday Loans?

In the state of Florida, the payday loan lender must provide written disclosure of any fees, including the finance charge and the annual percentage rate. Additionally, the lender must provide the borrower with a payment schedule with the amount of each payment and the due dates of the upcoming payments.

What Should Consumers Know About Payday Loans?

It is important for potential payday loan borrowers in Merritt Island, Florida to understand the rules, regulations, and obligations associated with taking out a payday loan. Consumers should also understand that payday loans should only be used as a last resort, and should only be used for short-term financial needs. Consumers should also be aware of the risks associated with taking out a payday loan, including the high interest rates and the potential for going into debt.

Frequently Asked Questions (FAQs) About Payday Loans in Merritt Island, Florida

  • What is the maximum amount of a payday loan in the state of Florida? The maximum amount of a payday loan in the state of Florida is $500.
  • What are the fees associated with payday loans in the state of Florida? Payday lenders in the state of Florida are allowed to charge up to 10 percent of the loan’s face value in fees, as well as a processing fee of up to $5.
  • What are the legal obligations associated with payday loans in the state of Florida? The payday loan lender must provide written disclosure of any fees and a payment schedule with the amount of each payment and the due dates of the upcoming payments. Additionally, only one loan extension is allowed.
  • What should consumers know about payday loans? Consumers should understand the rules, regulations, and obligations associated with taking out a payday loan. Payday loans should only be used as a last resort and for short-term financial needs. Additionally, consumers should be aware of the risks associated with taking out a payday loan, including the high interest rates and the potential for going into debt.

Apply Now

If you are in need of a payday loan in Merritt Island, Florida, TheGuaranteedLoans can help you. Simply fill out our online application and we will connect you with a lender in your area that can provide you with a quick and convenient payday loan. Please note that TheGuaranteedLoans is not a lender, and we are not responsible for the terms, conditions, or payments associated with any loan.

More F.A.Q.

What are the consequences of defaulting on a payday loan in Merritt Island, Florida?

If you default on a payday loan in Merritt Island, Florida, the lender may attempt to collect the outstanding balance through various means, including wage garnishment or legal action. This can result in additional fees and charges, and may negatively impact your credit score.

Can I get help with payday loan debt in Merritt Island, Florida?

Yes, if you are struggling to repay your payday loan in Merritt Island, Florida, there are resources available to help you. You can contact the Consumer Financial Protection Bureau (CFPB) or a non-profit credit counseling agency for assistance with managing your debt and finding alternative solutions.

How Many Cash Advance Companies are in Merritt Island, FL?

With the help of our service, you will be able to find 10 cash advance companies in Merritt Island, FL

What Cash Advance Companies in Merritt Island, FL are the most popular?

You should check Advance America, Addition Financial, and CenterState Bank. Also, you can start your application online on our website.