Payday Loans in Saint Marks, Florida

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

Company nameAddressZip codePhone number
The Check Cashing Store 18911 S Tamiami Trail Unit 4, Fort Myers, FL 33908 +1 (239) 267 - 4200
Advance America 1626 Missouri Ave N, Largo, FL 33770 +1 (727) 586 - 6047
Sunbelt Credit 2420 S Volusia Ave, Orange City, FL 32763 +1 (386) 774 - 5255
Gulf Winds Credit Union 11 Preston Cir, Crawfordville, FL 32327 +1 (800) 650 - 6328
SunTrust Bank 3511 Bell Shoals Rd, Valrico, FL 33594 +1 (813) 603 - 3279
Walmart Money Center Supercenter 1029, 6885 S Suncoast Blvd, Homosassa, FL 34446 +1 (352) 628 - 4161
Advance America 915 Doyle Rd Suite 107, Deltona, FL 32725 +1 (386) 574 - 4030
City National Bank - ATM 16400 US-331 S, Freeport, FL 32439 +1 (850) 835 - 2296
Florida Cash & Finance Inc 401 N Wickham Rd # D, Melbourne, FL 32935 +1 (321) 259 - 9360
Fast Payday Loans, Inc. 1243 N Monroe St, Tallahassee, FL 32303 +1 (850) 224 - 3187

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Saint Marks, FL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Wesley Chapel, FL, Same Day Loans in West Palm Beach, FL, Payday Loans in Winter Garden, FL, Short-term Loans in Winter Haven, FL, Payday Loans in Winter Springs, FL, Payday Loans in Apopka, FL, Payday Loan Companies in Boca Raton, FL and Short-term Loans in Bonita Springs, 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 Marks, FL.

Beautiful sights of Saint Marks, FL

Are Payday Loans Legal In Saint Marks, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Saint Marks, 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 Marks, FL payday loan calculator

Payday Loans in Saint Marks, Florida

Are you facing unexpected expenses and need money fast? A payday loan may help you cover your bills and get back on track. In Florida, payday loans are legal, accessible, and can provide quick cash in emergency situations. In this article, we will go over everything you need to know about payday loans in Saint Marks, Florida.

What Is a Payday Loan?

A payday loan is a short-term loan that offers quick cash for people who need immediate financial assistance. Typically, payday loans are due on the borrower’s next payday and must be repaid in full, including the interest and fees, which can be quite high compared to traditional loans. In Florida, payday loans are legal but are subject to specific regulations by state law.

How Do Payday Loans Work in Saint Marks, Florida?

Payday loans are regulated by Florida law to protect both the lender and the borrower. In Saint Marks, Florida, payday loans are available to anyone over 18 years old who has a valid ID, an active checking account, and proof of income. Borrowers can apply for a payday loan online or in person at a payday loan store.

The amount that a borrower can receive in a payday loan in Saint Marks, Florida is limited to $500 per loan. The loan term must be between 7 and 31 days, and the maximum finance charge is 10% of the loan amount. For example, if you borrow $500, the maximum finance charge is $50.

While payday loans are a quick way to get cash, they come with high fees and interest rates. Borrowers in Saint Marks, Florida should be aware of the risks and costs associated with payday loans and only take them out in emergency situations. The average APR for payday loans in Florida is 304%, which is much higher than the average APR for credit cards.

Benefits of Payday Loans

Payday loans can be a helpful financial tool in certain situations. Here are some of the benefits:

  • Quick cash: Payday loans can be approved and disbursed within a few hours, making them a good choice for unexpected expenses like car repairs or medical bills.
  • Accessible: Payday loans are available to anyone with an ID, a checking account, and proof of income. People with bad credit can also qualify for payday loans.
  • Simple application process: Applying for a payday loan is easy and can be done online or in person.

Risks of Payday Loans

While payday loans can be beneficial in certain situations, they also come with risks. Here are some drawbacks to consider:

  • High costs: Payday loans have high fees and interest rates. Borrowers should carefully read the terms and conditions before taking out a payday loan and only use them in emergencies.
  • Debt cycle: It can be easy to get trapped in a debt cycle with payday loans. Borrowers who cannot pay back the loan on time may end up taking out a new loan to cover the previous one, leading to a cycle of debt.
  • Scams: Some payday lenders in Saint Marks, Florida may engage in predatory practices and try to take advantage of vulnerable borrowers. It’s essential to do your research and choose a reputable lender.

Interesting Facts about Payday Loans in Saint Marks, Florida

Here are some interesting facts about payday loans in Saint Marks, Florida:

  • Florida has the highest number of payday lenders in the US.
  • In 2019, Floridians borrowed over $7 billion in payday loans.
  • Payday loans are banned in 16 states and Washington DC.

Apply Now for a Payday Loan in Saint Marks, Florida

If you’re facing an unexpected expense and need cash fast, TheGuaranteedLoans can help you connect with potential lenders in Saint Marks, Florida. Apply now for a payday loan on our website and get the cash you need as soon as possible. Remember, payday loans are meant to be used in emergencies and to be paid back in full on your next payday. Contact us today to get started.

F.A.Q.

Can payday lenders contact me at work in Saint Marks, Florida?

Yes, payday lenders in Saint Marks, Florida are allowed to contact you at work to collect on a defaulted loan. However, they are not allowed to harass or abuse you in any way, and they must stop contacting you at work if you request it.

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

Yes, payday loans in Saint Marks, Florida are typically available to borrowers with bad credit. However, the lender may still perform a credit check and may require you to provide proof of income or other financial information.