Payday Loans in Sanford, Florida

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Payday Loan Companies in Sanford, FL

Company nameAddressZip codePhone number
ACE Cash Express 3715 S Orlando Dr #400 32773 +1 (407) 328 - 4803
ACE Cash Express 2100 S French Ave 32771 +1 (407) 688 - 8191
Advance America 3679 S Orlando Dr 32773 +1 (407) 323 - 1106
AFC Automotive Finance Corp. 3085 St Johns Pkwy 32771 +1 (407) 328 - 1522
Cash America Pawn 2397 S French Ave 32771 +1 (407) 323 - 3771
Chrysler Jeep Dodge RAM of Sanford 750 Towne Center Blvd 32771 +1 (407) 792 - 1310
Embassy Car Title Loans Sanford 2555 S French Ave 32773 +1 (866) 277 - 5798
Max Loan USA 401 E 1st St 32772 +1 (888) 534 - 3948
Payday & Title Loans 2111 S French Ave 32771 +1 (407) 801 - 8298
Payday Loans Sanford 32771
Seminole Loan Corporation 106 S Palmetto Ave 32771 +1 (407) 322 - 2083
SunTrust 208 W 1st St 32771 +1 (407) 430 - 4950
Value Pawn & Jewelry 2300 S French Ave 32771 +1 (407) 328 - 8900

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Sanford, FL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Sarasota, FL, Payday Loans in Spring Hill, FL, Payday Loan Companies in Tallahassee, FL, Quick Loan in Tampa, FL, Emergency Loan in The Villages, FL, No Credit Check Loans in Titusville, FL, Payday Loan Without a Credit Check in Valrico, FL and Payday Loans in Wesley Chapel, 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 Sanford, FL.

Beautiful sights of Sanford, FL

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

32772, 32773, 32771

Are Payday Loans Legal In Sanford, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Sanford, 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

Sanford, FL payday loan calculator

Payday Loans in Sanford, Florida: Are They Right For You?

Living in Florida, you may find yourself in need of financial assistance or have an emergency expenses arise. Payday loans and title loans in Sanford, Florida, can be a viable option to help you out of a financial bind. But before you apply for a loan, it’s important to understand the laws, regulations and any potential risks associated with these loans.

What is a Payday Loan?

A payday loan is a short-term loan meant to cover unanticipated costs before your next payday. They are typically unsecured and must be repaid within one month. Generally, payday loans require a personal check or debit authorization to receive the loan, but some lenders also accept other forms of collateral.

Payday Loans Legal in Florida

Payday loans are legal in the state of Florida. According to the Florida Office of Financial Regulation, payday lenders must be licensed in Florida to offer such loans. There is a maximum loan amount of $500 and the loan cannot exceed 31 days. The annual percentage rate cannot exceed 10 percent. Borrowers must have a valid source of income, an active bank account and meet other pre-qualifications.

Potential Downsides of Payday Loans

Before you choose a payday loan, it’s important to consider the potential downsides of this type of loan. Depending on the interest rate, fees and other details, the annual percentage rate can be significantly higher when compared to other traditional loan options. Payday loans may also contain hidden fees and the loan terms can be unclear. It’s best to read the fine print carefully before signing an agreement.

Timeline to Receive Funds

Generally, payday loans are approved quickly and borrowers can receive the cash within as little as one hour. This is especially helpful if you are in a financial bind and need to take care of an emergency expense.

Obligations of Borrowers

It’s important to remember that loan agreements are legally binding, and you must abide by the terms and conditions of the contract or face the consequences. You must make timely payments each month or risk late fees or other penalties. Moreover, you must make sure that you can realistically afford to repay the loan before signing a contract.

Alternatives to Payday Loans

It’s important to understand that payday loans should only be used as a last resort. Before you apply for a payday loan, consider other alternatives, such as a short-term loan from a bank or credit union. Check with family or close friends if they can lend you the money. You can also look for government benefits or research different financial assistance programs.

Final Thoughts

When you are facing a financial hardship, payday loans can be a viable option to receive quick cash. Just make sure you have a plan to repay the loan and that you understand the rights and responsibilities associated with loans in Sanford, Florida.

Apply Now

If you need payday loans or title loans in Sanford, Florida, TheGuaranteedLoans can connect you with lenders. We are not a lender, but our online application process can be quick and easy, and you can typically get a response within minutes. Apply now to get connected with a lender and get the money you need.

FAQ

Q: Are payday loans legal in Florida?

A: Yes, payday loans are legal in the state of Florida. According to the Florida Office of Financial Regulation, payday lenders must be licensed in Florida to offer such loans.

Q: How much can I borrow through a payday loan?

A: The maximum loan amount for a payday loan in Florida is $500, and the loan cannot exceed 31 days.

Q: What are the fees associated with payday loans?

A: The annual percentage rate cannot exceed 10 percent, but it’s important to read the fine print to determine other fees and costs associated with the loan.

Q: Are there alternatives to payday loans?

A: Yes, it’s important to understand that payday loans should only be used as a last resort. Before you apply for a payday loan, consider other alternatives, such as a short-term loan from a bank or credit union. Check with family or close friends if they can lend you the money. You can also look for government benefits or research different financial assistance programs.

More F.A.Q.

What are the alternatives to payday loans in Sanford, Florida?

There are several alternatives to payday loans in Sanford, Florida, including credit union loans, small personal loans from banks, and borrowing from friends or family. These options may have lower interest rates and more flexible repayment terms than payday loans.

What are the rights of payday loan borrowers in Sanford, Florida?

Payday loan borrowers in Sanford, Florida have the right to receive clear and accurate information about the terms and conditions of the loan, including the interest rate and fees. They also have the right to cancel the loan within 24 hours without penalty.

How Many Cash Advance Companies are in Sanford, FL?

With the help of our service, you will be able to find 13 cash advance companies in Sanford, FL

What Cash Advance Companies in Sanford, FL are the most popular?

You should check ACE Cash Express, AFC Automotive Finance Corp., and Advance America. Also, you can start your application online on our website.