Payday Loans in Saint Augustine, Florida

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

Company nameAddressZip codePhone number
Jerry's Cash Advance 801 NW 4th Ave, Ocala, FL 34475 +1 (352) 351 - 3474
First National Bank of Mount Dora 27700 US-27, Leesburg, FL 34748 +1 (352) 383 - 2111
Check 'n Go 347 W Granada Blvd, Ormond Beach, FL 32174 +1 (386) 615 - 0080
SunTrust 5760 State St, Belleview, FL 34420 +1 (352) 203 - 6076
Suncoast Credit Union 4402 Bee Ridge Rd, Sarasota, FL 34233 +1 (800) 999 - 5887
SunTrust 2400 SE Federal Hwy, Stuart, FL 34994 +1 (772) 403 - 6267
Fast Payday Loans Deerfield Beach 38 SE 8th Terrace, Deerfield Beach, FL 33441
Check 'n Go 7205 FL-54, New Port Richey, FL 34653 +1 (727) 376 - 1800
Claim 4 Cash Inc 4944 W Irlo Bronson Memorial Hwy, Kissimmee, FL 34746 +1 (407) 809 - 0254
Mariner Finance 1607 Lisenby Ave E, Panama City, FL 32405 +1 (850) 763 - 8300

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Saint Augustine, FL, you can try to find different companies in big cities near by. Check out the following pages here: Guaranteed Loans in Palm Bay, FL, Bad Credit Loans in Palm Beach Gardens, FL, Payday Loan Companies in Palm Coast, FL, Payday Loans in Palm Harbor, FL, Same Day Loans in Panama City, FL, Payday Loans in Pembroke Pines, FL, Payday Loans in Pensacola, FL and Payday Loans 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 Saint Augustine, FL.

Beautiful sights of Saint Augustine, FL

Are Payday Loans Legal In Saint Augustine, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Saint Augustine, 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

Saint Augustine, FL payday loan calculator

Payday Loans in Saint Augustine, Florida

At some point in life, we all experience financial emergencies. It could be an unexpected medical bill or car repair that needs immediate payment. In such cases, payday loans can be a lifesaver when you need quick cash. Saint Augustine, Florida, allows payday loans, which are legal under Florida state law.

What Are Payday Loans?

Payday loans are short-term loans designed to help people get through financial emergencies when they lack access to other forms of credit. They typically range from $100 to $1,000 and come due on the borrower’s next payday. The borrower writes a post-dated check, which the lender deposits after the loan term elapses, typically two weeks. In Florida, the maximum loan term is 31 days.

How Do Payday Loans Work in Saint Augustine, Florida?

Although payday loans are legal in Saint Augustine, Florida, the Florida Office of Financial Regulation (OFR) regulates the industry. Lenders must be licensed and follow specific rules, including limiting borrower’s borrowing amount and charging interest and fees by the OFR, prohibiting loan rollovers, and requiring written agreements.

To apply for a payday loan in Saint Augustine, Florida, the borrower visits a lender’s store location or applies online with TheGuaranteedLoans. The lender asks for proof of income, identity, and an active checking account. Upon approval, the lender will disburse the funds directly into the borrower’s checking account.

What Are the Pros and Cons of Payday Loans?

Payday loans in Saint Augustine, Florida, have some pros and cons to borrowers.

Pros:

  • Payday loans are often more accessible than traditional loans, particularly for those with a low credit score.
  • Borrowers receive their funds quickly, sometimes within one business day.
  • Payday loans can help with emergencies that cannot wait until the next payday.

Cons:

  • Payday loans carry high-interest rates and additional fees and charges, making them an expensive way to borrow money.
  • Defaulting on a payday loan can further damage your credit score and lead to additional fees and penalties.
  • Payday loans can create a cycle of debt for those who cannot repay before the due date.

Interesting Statistics About Payday Loans in Saint Augustine, Florida

The payday loan industry is a big business in Saint Augustine, Florida, contributing significantly to the state’s economy. According to a report by the OFR, Florida payday lenders made over 7.7 million loans, totaling over $26.9 billion, in 2018. The report also found that:

  • The average loan amount was $348
  • Payday lenders charged an average fee of $42 per $100 borrowed
  • The annual percentage rate (APR) on payday loans in Florida averaged 304.74%

Apply Now

If you’re considering a payday loan in Saint Augustine, Florida, turn to TheGuaranteedLoans as a trusted connector service, connecting you with potential lenders who specialize in payday loans. We provide a platform that allows you to apply for and receive payday loans up to $1,000.

As a connector service, TheGuaranteedLoans does not make credit decisions or lend money. Our role is to connect you with potential lenders from our network who may be able to lend you the money you need.

In conclusion, while payday loans might seem like an easy way to get through a financial emergency, they come with high-interest rates and fees that can lead to a cycle of debt. We encourage you to weigh your options carefully and only apply for a payday loan if you cannot access other forms of credit.

F.A.Q.

Are there any alternatives to payday loans in Saint Augustine, Florida?

Yes, there are several alternatives to payday loans in Saint Augustine, Florida, such as small personal loans from banks or credit unions, or short-term loans from community organizations or non-profit organizations.

What should I consider before taking out a payday loan in Saint Augustine, Florida?

Before taking out a payday loan in Saint Augustine, Florida, you should carefully consider your financial situation and whether you will be able to repay the loan in full by the due date. You should also compare rates and fees from multiple lenders to ensure you are getting the best deal.