Payday Loans in Port Saint Joe, 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.

No payday loan companies in Port Saint Joe, FL. Consider companies in other cities:

Company nameAddressZip codePhone number
Consumer Financial Services 10431 US-19, Port Richey, FL 34668 +1 (727) 862 - 2944
Capital City Bank 10000 Panama City Beach Pkwy, Panama City Beach, FL 32407 +1 (850) 404 - 6057
SunTrust Bank 701 W Dr Martin Luther King Jr Blvd, Seffner, FL 33584 +1 (813) 603 - 3043
Mariner Finance 2905 N Military Trl A, West Palm Beach, FL 33409 +1 (561) 682 - 3678
Space Coast Credit Union 139 Palm Bay Rd NE, Melbourne, FL 32904 +1 (321) 752 - 2222
Best Value Jewelry & Pawn 2817 US-1, Fort Pierce, FL 34982 +1 (772) 467 - 1199
Advance America 10731 W Flagler St, Miami, FL 33174 +1 (305) 207 - 1697
Check 'n Go 5335 N Military Trl Unit 50, West Palm Beach, FL 33407 +1 (561) 681 - 9595
Centennial Bank 1450 Placida Rd Merchants Crossing Shopping Ctr, Englewood, FL 34223 +1 (941) 460 - 7000
Northwest Federal Mortgage Lending Center Maitland, FL 850 Trafalgar Ct 110, Maitland, FL 32751 +1 (407) 586 - 7619

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Port Saint Joe, FL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for Brandon, FL, 24-Hour Loan in Cape Coral, FL, Quick Loan in Clearwater, FL, Payday Loans in Clermont, FL, No Credit Check Loans in Daytona Beach, FL, Payday Loans in Deerfield Beach, FL, No Credit Check Loans in Deland, FL and Payday Loan Companies in Delray Beach, 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 Port Saint Joe, FL.

Beautiful sights of Port Saint Joe, FL

Are Payday Loans Legal In Port Saint Joe, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Port Saint Joe, 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

Port Saint Joe, FL payday loan calculator

Understanding Payday Loans in Port Saint Joe, Florida

Payday loans are a popular option for individuals who need quick cash to handle emergency expenses. In Port Saint Joe, Florida, payday loans are legal and regulated under state law. These loans are also known as cash advances, paycheck advances, or payday advances. They can be a helpful way to manage unexpected costs, but they also come with high fees and interest rates.

How Do Payday Loans Work in Port Saint Joe, Florida?

Payday lenders in Port Saint Joe, Florida, offer short-term loans that usually range from $100 to $500. Many lenders require borrowers to provide a post-dated check or access to their bank account to cover the loan amount plus fees and interest charged. The loan term usually lasts from a few days to a month, or until the borrower receives their next paycheck.

When the loan term ends, the borrower is expected to repay the loan with the fees and interest charged. If they are unable to repay the loan at this time, they can roll over the loan for an additional fee. This can quickly lead to a cycle of debt, as the borrower may find themselves unable to repay the loan or roll it over as the fees and interest continue to add up.

What Are the Fees and Interest Rates for Payday Loans in Port Saint Joe, Florida?

The fees and interest rates for payday loans in Port Saint Joe, Florida, are regulated by state law. Lenders are allowed to charge a maximum fee of 10% of the loan amount and an interest rate of 304% APR. This means that if you borrow $100, you can expect to pay a fee of $10 and interest of $29.49.

It is important to remember that these fees and interest rates can quickly add up if the borrower is unable to repay the loan on time. This can result in a cycle of debt that can be difficult to escape.

Are There Any Alternatives to Payday Loans in Port Saint Joe, Florida?

While payday loans may be a quick and convenient way to get cash, they are not the only option available. If you need to borrow money, consider the following alternatives:

  • Credit cards: If you have a credit card, you may be able to use it to cover unexpected expenses. While interest rates on credit cards can be high, they are usually lower than payday loans.
  • Personal loans: Personal loans are another type of loan that can be used to cover unexpected expenses. These loans usually have lower interest rates than payday loans, but they can be more difficult to qualify for.
  • Emergency assistance programs: If you are in a financial crisis, there may be local or national programs that can provide assistance. These programs may offer grants, loans, or other forms of assistance to help you get back on your feet.

Interesting Facts and Statistics About Payday Loans in Port Saint Joe, Florida

  • According to a report by the Florida Office of Financial Regulation, there were 1.8 million payday loans issued in Florida in 2018, totaling $1.3 billion.
  • Port Saint Joe, Florida, has several payday lenders, including Check Into Cash and Advance America.
  • A study by the Consumer Financial Protection Bureau found that more than 80% of payday loans are rolled over or followed by another loan within 14 days.

Apply Now

At TheGuaranteedLoans, we understand that unexpected expenses can occur at any time. That’s why we offer a simple online application process that can connect you with potential lenders in Port Saint Joe, Florida. Our service is a connector service, not a direct lender, so you can rest assured that you are getting connected with legitimate lenders.

Fill out our online application today to get started.

F.A.Q.

Can I get a payday loan in Port Saint Joe, Florida if I am on Social Security or disability?

Yes, you may be able to get a payday loan in Port Saint Joe, Florida if you are receiving Social Security or disability payments. However, the lender will likely require you to provide proof of income or other financial resources to show that you will be able to repay the loan.

Can I get a payday loan in Port Saint Joe, Florida if I have filed for bankruptcy?

Yes, you may be able to get a payday loan in Port Saint Joe, Florida even if you have filed for bankruptcy. However, the lender may still perform a credit check and may require you to provide proof of income or other financial information.