Payday Loans in Placida, Florida

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

Company nameAddressZip codePhone number
Advance America 18502 NW 67th Ave #20, Hialeah, FL 33015 +1 (305) 698 - 0933
Fairway Independent Mortgage Corporation 940 Centre Cir Suite 1010, Altamonte Springs, FL 32714 +1 (407) 718 - 5588
Delta Lawsuit Loans 301 W 41st St 505, Miami Beach, FL 33140 +1 (786) 230 - 8005
Walmart Supercenter 1480 US-17 N, Wauchula, FL 33873 +1 (863) 773 - 6419
ACE Cash Express 7065 S Orange Blossom Trl, Orlando, FL 32809 +1 (407) 438 - 2142
Check On Hold 1000 Palm Coast Pkwy SW, Palm Coast, FL 32137 +1 (386) 445 - 1154
Walmart Money Center 6868 US-129, Live Oak, FL 32060 +1 (386) 330 - 2488
Cash Kwik 6830 Florida Ave S, Lakeland, FL 33813
Havana Caf of the Everglades 191 Smallwood Dr, Chokoloskee, FL 34138 +1 (239) 695 - 2214
Suncoast Credit Union 19501 Cochran Blvd, Port Charlotte, FL 33948 +1 (800) 999 - 5887

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Placida, FL, you can try to find different companies in big cities near by. Check out the following pages here: Bad Credit Loans in Cape Coral, FL, Payday Loan Without a Credit Check in Clearwater, FL, No Credit Check Loans in Clermont, FL, Payday Loan for Daytona Beach, FL, Quick Loan in Deerfield Beach, FL, 24-Hour Loan in Deland, FL, Same Day 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 Placida, FL.

Beautiful sights of Placida, FL

Are Payday Loans Legal In Placida, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Placida, 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

Placida, FL payday loan calculator

Understanding Payday Loans in Placida, Florida

Payday loans are a type of short-term loan typically taken out to cover unexpected expenses or emergencies. They are known for their easy access and quick funding, making them a popular option for those who need cash in hand right away. In Placida, Florida, payday loans are legal and regulated by state law.

Eligibility Requirements for Payday Loans in Placida, Florida

The eligibility requirements for payday loans in Placida, Florida are fairly straightforward. Borrowers must be at least 18 years old and have a valid government-issued ID. They must also have an active checking account and proof of income, such as a pay stub or bank statement. Some lenders may also require a minimum credit score or employment history.

  • Tip: Be sure to carefully read the terms and conditions of any payday loan agreement before signing. Make sure you understand the interest rates, fees, and repayment plan.

How Payday Loans Work in Placida, Florida

When applying for a payday loan in Placida, Florida, borrowers are usually required to provide proof of income and a post-dated check or authorization for electronic payment. If approved, the borrower receives the loan amount in cash or via direct deposit, depending on the lender’s policies. The loan must be repaid by the due date, which is typically the borrower’s next payday.

  • Fact: According to the Florida Office of Financial Regulation, payday lenders in Florida are allowed to charge up to 10% of the loan amount as a verification fee, in addition to interest rates that can reach up to 304%.

The Risks of Payday Loans in Placida, Florida

While payday loans can provide fast cash, they come with significant risks. One of the biggest risks is the high-interest rates and fees that can add up quickly, making it difficult for borrowers to repay the loan on time. This can lead to a cycle of debt that’s hard to break free from. Additionally, payday lenders in Placida and throughout Florida have been known to engage in predatory practices and exploit vulnerable borrowers.

  • Tip: Consider alternatives to payday loans, such as personal loans, credit cards, or borrowing from friends or family. These options may have lower interest rates and fees, making them a more affordable choice in the long run.

Apply Now for a Payday Loan in Placida, Florida

If you need fast cash for unexpected expenses or emergencies, TheGuaranteedLoans can help connect you with potential lenders in Placida, Florida. Our online application process is quick, easy, and secure, allowing you to get the funds you need in no time. Please note that TheGuaranteedLoans is not a direct lender and only facilitates the connection between borrowers and lenders. Fill out an application today to see if you qualify for a payday loan in Placida, Florida.

Fun Fact:

Did you know that the average payday loan borrower takes out eight loans each year, spending an average of $520 on interest? That’s over $3.4 billion in fees paid to payday lenders across the country.

F.A.Q.

How can I find a reputable payday lender in Placida, Florida?

To find a reputable payday lender in Placida, Florida, you can check with the Florida Office of Financial Regulation to make sure the lender is licensed and in good standing. You can also read reviews from other customers and compare interest rates and fees from different lenders to find the best deal.

What should I do if I feel that a payday lender in Placida, Florida has treated me unfairly?

If you feel that a payday lender in Placida, Florida has treated you unfairly, you can file a complaint with the Florida Office of Financial Regulation. You can also seek assistance from a nonprofit credit counseling agency or a consumer protection agency to help you resolve the issue.