Payday Loans in Ona, Florida

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

Company nameAddressZip codePhone number
BB&T 5545 SE Federal Hwy, Stuart, FL 34997 +1 (772) 283 - 8000
Cash America Pawn 3630 W Gandy Blvd, Tampa, FL 33611 +1 (813) 832 - 3333
E-Z Money Pawn & Jewelry 1002 Old Dixie Hwy, Vero Beach, FL 32960 +1 (772) 778 - 0810
American Capital Advance 1080 Holland Dr, Boca Raton, FL 33487 +1 (561) 961 - 1650
Almost A Bank 2301 Saxon Blvd, Deltona, FL 32725 +1 (386) 789 - 3432
Loan Support Team 501 Riverside Ave, Jacksonville, FL 32202 +1 (904) 623 - 8751
Mariner Finance 218 S Semoran Blvd, Orlando, FL 32807 +1 (407) 482 - 1066
Advance America 451 Plaza Dr, Eustis, FL 32726 +1 (352) 589 - 0553
Everglades Federal Credit Union 1099 W Ventura Ave, Clewiston, FL 33440 +1 (863) 983 - 5141
Check Cashing USA 865 E 49th St, Hialeah, FL 33013 +1 (305) 681 - 2726

Payday Loan Companies in Nearby Cities

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

Beautiful sights of Ona, FL

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

33865

Are Payday Loans Legal In Ona, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Ona, 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

Ona, FL payday loan calculator

Payday Loans in Ona, Florida

Life can be unpredictable, and at times, finances can be tight. When unexpected expenses arise, like medical bills or car repairs, you may need access to quick cash. One solution that you may have heard of is payday loans.

In Ona, Florida, payday loans are legal, and if you’re in need of a short-term loan, this could be an option for you. However, before you consider taking out a payday loan, it’s important to understand how they work and the potential risks involved.

What is a Payday Loan?

A payday loan, also known as a cash advance loan, is a short-term loan that typically lasts for two to four weeks. The loan amount is usually small, ranging from a few hundred dollars to a thousand dollars, and it’s designed to provide immediate cash to borrowers who need it.

In order to qualify for a payday loan in Ona, Florida, you’ll need to have a steady source of income, a bank account, and a valid ID. When you apply for a payday loan, you’ll need to provide proof of income, such as pay stubs, and your lender will verify your bank account information and ID.

The Cost of Payday Loans

Payday loans can be expensive. Lenders typically charge a fee for each $100 borrowed, which can vary depending on the lender and the state regulations. In Ona, Florida, the maximum fee is 10% of the loan amount plus a $5 verification fee.

While this may not sound like a large fee, it can quickly add up. For example, if you borrow $500 for two weeks, with a fee of $55, you’ll end up paying $555 to your lender at the end of the loan term. This equates to an annual percentage rate (APR) of around 390%, which is significantly higher than other types of loans.

It’s important to keep this in mind when considering a payday loan, as the high fees and interest rates can make it difficult to pay back the loan on time.

The Risks of Payday Loans

While payday loans can provide quick cash in a pinch, there are risks involved. One of the biggest risks is the high cost, which can make it difficult to pay back the loan on time. If you’re unable to repay the loan on the due date, you may be charged additional fees, and your loan may be rolled over to a new term, which means you’ll pay even more in fees and interest.

Another risk is the potential for debt trap. Some borrowers may take out multiple payday loans to cover their expenses, which can lead to a cycle of debt. This is because payday loans are designed to be short-term loans, and if you’re unable to pay them back quickly, the fees and interest can quickly add up.

Interesting Facts and Statistics

  • Florida has the highest payday loan usage in the United States, with an estimated 5.8 million transactions in 2019.
  • The average payday loan size in Florida is $388, with an average fee of $42 per $100 borrowed.
  • About 83% of payday loan borrowers in Florida take out a new loan within two weeks of repaying their previous loan.

Apply Now

If you’re in need of a short-term loan in Ona, Florida, TheGuaranteedLoans can help connect you with potential lenders. Simply fill out our online application, and we’ll match you with lenders who meet your specific needs. We’re a connector service, not a direct lender, and we’re committed to helping our customers get the financial assistance they need.

Remember, payday loans are a short-term solution, and should only be considered if you’re able to repay the loan on time. If you’re struggling with debt, there are other options available, such as debt consolidation loans or credit counseling. Always research your options and make an informed decision.

F.A.Q.

What are the eligibility requirements for payday loans in Ona, Florida?

To be eligible for a payday loan in Ona, Florida, borrowers must be at least 18 years old, have a regular source of income, and have an active checking account.

How much can I borrow with a payday loan in Ona, Florida?

The maximum amount that can be borrowed with a payday loan in Ona, Florida is $500. However, some lenders may offer higher loan amounts to borrowers who meet certain eligibility criteria.