Payday Loans in Reddick, Florida

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

Company nameAddressZip codePhone number
Thrivent Financial 602 Harrison Ave, Panama City, FL 32401 +1 (850) 615 - 0017
SunTrust 701 W Dr Martin Luther King Jr Blvd, Seffner, FL 33584 +1 (813) 603 - 3043
Hard Money Lending Florida 8000 N Federal Hwy 200, Boca Raton, FL 33487 +1 (561) 953 - 5050
Advanced Loan Systems, LLC 3717 Apalachee Pkwy 201, Tallahassee, FL 32311 +1 (800) 696 - 6639
ACE Cash Express 2642 Tamiami Trail E, Naples, FL 34112 +1 (239) 417 - 2274
Capital City Bank 115 W Green St, Perry, FL 32347 +1 (850) 584 - 2057
Pay Day Loans Palm Coast 1000 Integra Woods Boulevard, Palm Coast, FL 32164
Instant Cash Advance 180 NW 183rd St 119, Miami, FL 33169 +1 (305) 652 - 3400
Latino America 14K Jewelry 11530 S Cleveland Ave, Fort Myers, FL 33907 +1 (239) 939 - 6990
BBVA Bank 2875 E Gulf to Lake Hwy, Inverness, FL 34453 +1 (352) 560 - 4001

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Reddick, FL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Pompano Beach, FL, Guaranteed Loans in Port Charlotte, FL, 24-Hour Loan in Port Orange, FL, Payday Loans in Port Saint Lucie, FL, Payday Loan for Riverview, FL, Payday Loans in Saint Cloud, FL, Payday Loans in Saint Petersburg, FL and Payday Loan for Sanford, 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 Reddick, FL.

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

32686

Are Payday Loans Legal In Reddick, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Reddick, 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

Reddick, FL payday loan calculator

What You Need to Know About Payday Loans in Reddick, Florida

Living paycheck to paycheck can be a difficult financial situation for many Floridians, and unexpected expenses can easily throw a wrench into even the most carefully planned budgets. If you find yourself in need of immediate cash, a payday loan in Reddick, Florida, might be the solution you need.

Payday loans are short-term loans that allow borrowers to borrow a small amount of money, often to cover urgent expenses, such as medical bills or car repairs. In Florida, payday loans are legal, and many lenders operate in the state. However, before you apply for a payday loan, it’s essential to have a clear understanding of the laws and regulations governing these loans.

Payday Loan Regulations in Reddick, Florida

Florida laws regulate payday loans to protect consumers from unscrupulous lenders. In Reddick, Florida, lenders are permitted to charge a maximum of 10% of the loan amount as a fee, with a maximum borrowing limit of $500. Borrowers have up to 31 days to repay the loan, and lenders are required to disclose all fees and interest rates to the borrower before the loan is approved.

It’s vital to understand that payday loans are short-term loans, designed to provide borrowers with quick cash to cover emergency expenses. These loans are not intended to be long-term solutions for financial difficulties, and borrowers should only borrow what they can afford to repay.

What are the Requirements for a Payday Loan in Reddick, Florida?

Payday loan requirements in Reddick, Florida, are relatively straightforward. Borrowers must be at least 18 years old, have a valid ID, proof of income, and an active checking account.

Some lenders may require additional documentation, such as proof of residency, but these requirements vary. It’s important to research lenders thoroughly and compare rates and fees before committing to a loan.

The Pros and Cons of Payday Loans in Reddick, Florida

Payday loans have both advantages and disadvantages and may not be the right choice for everyone. Understanding both the pros and cons of these loans can help you make an informed decision about whether a payday loan is the right financial move for you.

Pros:

  • Quick and easy application process
  • No credit check required
  • Flexible borrowing limits
  • Some lenders offer same-day deposit

Cons:

  • High-interest rates and fees
  • Short repayment terms
  • May lead to a cycle of debt
  • Some lenders may charge additional fees for late payment

Interesting Facts about Payday Loans in Reddick, Florida

  • Florida has more payday lenders than McDonald’s restaurants, and the state’s average interest rate for payday loans is over 300%.
  • In 2019, Floridians took out over 7.7 million payday loans, with a total value of over $3.1 billion.
  • AARP reports that in Florida, more payday loans are taken out by seniors than any other state, and seniors are the fastest growing demographic of payday loan borrowers in the country.

Apply Now for a Payday Loan in Reddick, Florida

If you’re facing a financial emergency, a payday loan in Reddick, Florida, could be the solution you need. At TheGuaranteedLoans, we connect borrowers with potential lenders quickly and efficiently. Simply fill out our online application, and we’ll connect you with lenders who can provide you with the cash you need, often within the same day.

It’s important to remember that TheGuaranteedLoans is a connector service and not a direct lender. We don’t make credit decisions, and we don’t endorse or recommend any specific lender. However, we pride ourselves on connecting our customers with the most reputable lenders in their area.

Get started today and take the first step towards financial peace of mind.

F.A.Q.

Can I be sued or have my wages garnished if I default on a payday loan in Reddick, Florida?

If a borrower defaults on a payday loan in Reddick, Florida, the lender may be able to sue the borrower to recover the outstanding balance. In some cases, the lender may be able to garnish the borrower's wages to repay the loan. It is important to carefully review the loan terms and understand the potential consequences of default before taking out a payday loan in Reddick, Florida.

Are there any restrictions on the number of payday loans that a borrower can take out in Reddick, Florida?

Yes, the state of Florida has implemented restrictions on the number of payday loans that a borrower can take out. Under state law, borrowers are only allowed to have one outstanding payday loan at a time. Additionally, borrowers must wait at least 24 hours after repaying a payday loan before taking out another one.