Payday Loans in Oviedo, Florida

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Payday Loan Companies in Oviedo, FL

Company nameAddressZip codePhone number
Advance America 87 Alafaya Woods Blvd 32765 +1 (407) 359 - 2970
Embassy Auto Title Loans 1511 W Broadway 32765 +1 (866) 277 - 5798
Payday Loans Oviedo Florida 1325 Geneva Dr 32765 +1 (407) 603 - 3105

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Oviedo, FL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Palm Bay, FL, Payday Loan Without a Credit Check in Palm Beach Gardens, FL, Payday Loans in Palm Coast, FL, Payday Loans in Palm Harbor, FL, Payday Loan for Panama City, FL, 24-Hour Loan in Pembroke Pines, FL, 24-Hour Loan in Pensacola, FL and Payday Loan Without a Credit Check in Pinellas Park, 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 Oviedo, FL.

Beautiful sights of Oviedo, FL

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

32766, 32762, 32765

Are Payday Loans Legal In Oviedo, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Oviedo, 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

Oviedo, FL payday loan calculator

What Are Payday Loans in Oviedo, Florida?

Payday loans in Oviedo, Florida are short-term loans designed to help individuals cover unexpected expenses without long-term financial implications. Payday loans are legally available in the state of Florida and are a risk-free way for borrowers to access a small amount of money quickly and without complicated paperwork.

How Do Payday Loans Work?

Payday loans in Oviedo, Florida are usually secured against a person’s next salary payment. The borrower is required to provide evidence of their income, which could be a pay stub, bank statement or other paperwork that proves they have a steady income. Once approved, the lender will deposit the loan amount into the borrower’s account and then the repayment will be taken out of their payroll at the end of the month.

What are the Benefits of Payday Loans?

Payday loans in Oviedo, Florida offer several advantages, including:

  • Quick access to funds – Applications can be approved and money deposited into an account within 24 hours.
  • Uncomplicated application process – Most applications are completed online and don’t require lengthy paperwork.
  • Small amounts – Payday loans typically range from $100 to $1,000, so customers can access the exact amount they need.
  • Easy repayment – Payments are typically taken out of the borrower’s next salary payment, making it simple to repay the loan.

What are the Downsides to Payday Loans?

Although payday loans in Oviedo, Florida can be a convenient and straightforward way to access money when it’s needed, there are several downsides to consider:

  • High interest rates – Payday loans have high-interest rates and it’s important to understand the total cost of the loan before entering into an agreement.
  • Short term – Payday loans are usually due to be repaid within two or four weeks and don’t provide ongoing financial assistance.
  • Rollover fees – If borrowers are unable to make a repayment on time, they may incur additional penalty fees to rollover the loan.

Are Payday Loans Legal in Florida?

Yes, payday loans are legal in the state of Florida and have been since 2005. To protect borrowers, the law stipulates that lenders cannot lend more than $500 to an individual at any one time and cannot rollover the loan more than four times. To ensure they are compliant, lenders must be licensed by the state’s Office of Financial Regulation.

How to Choose the Right Payday Loan Lender in Oviedo, Florida

When choosing a payday loan lender in Oviedo, Florida, it’s important to consider the following factors:

  • Reputation – Ensure you research the lender to see if they have a good reputation and are licensed by the state.
  • Fees – Check the lender’s fees and charges to make sure you understand the total cost of the loan.
  • Requirements – Look for a lender who has reasonable requirements, such as a minimum income or credit score.
  • Flexibility – Consider whether the lender offers flexible repayment options such as installment loans.

Frequently Asked Questions

What is the maximum amount I can borrow?

The maximum amount you can borrow depends on the lender and your individual circumstances. In the state of Florida, payday lenders are not allowed to lend more than $500 to an individual at any one time.

Do I need to provide collateral?

No, you don’t need to provide collateral to apply for a payday loan in Oviedo, Florida. Payday loans are usually secured against your next salary payment.

How long does it take to receive the funds?

It depends on the lender, but many lenders are able to process the application and deposit the funds into your account within 24 hours.

What happens if I am unable to make a repayment?

If you are unable to make a repayment, you should contact the lender as soon as possible. They may offer you an extension and rollover the loan, although you will likely incur additional fees.

Apply Now

At TheGuaranteedLoans we will connect you with a lender who can provide you with access to the money you need. Fill out the online application and we will do the rest. Please remember, TheGuaranteedLoans is not a lender and simply connects you with lenders that can provide you with short term loan solutions.

More F.A.Q.

Can I get a payday loan if I am unemployed in Oviedo, Florida?

It may be possible to get a payday loan if you are unemployed in Oviedo, Florida, but this will depend on the lender's policies and your individual financial situation. Some lenders may be willing to consider other sources of income, such as unemployment benefits or government assistance, when determining your eligibility for a loan.

Can I get a payday loan if I have bad credit in Oviedo, Florida?

Yes, you can get a payday loan if you have bad credit in Oviedo, Florida. Payday lenders typically do not conduct a traditional credit check, and instead focus on your current income and ability to repay the loan. However, having bad credit may still affect your ability to qualify for the loan and the terms you are offered.

How Many Cash Advance Companies are in Oviedo, FL?

With the help of our service, you will be able to find 3 cash advance companies in Oviedo, FL

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

You should check Advance America, Embassy Auto Title Loans, and Payday Loans Oviedo Florida. Also, you can start your application online on our website.