Payday Loans in Sopchoppy, Florida

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

Company nameAddressZip codePhone number
Amscot - The Money Superstore 2022 East Brandon Boulevard, FL-60, Valrico, FL 33594 +1 (813) 689 - 6050
Advance America 2535 S Ferdon Blvd, Crestview, FL 32536 +1 (850) 683 - 1133
Advance America 463 Hialeah Dr, Hialeah, FL 33010 +1 (305) 888 - 6914
First National Bank of Pasco 13315 US-301, Dade City, FL 33525 +1 (352) 521 - 0141
Thomas Savone & Associates 4101 E Moody Blvd 8, Bunnell, FL 32110 +1 (386) 437 - 3870
BB&T 1300 Palm Coast Pkwy SW, Palm Coast, FL 32137 +1 (386) 246 - 5166
United Southern Bank 1303 N New Hampshire Ave, Tavares, FL 32778 +1 (352) 343 - 1110
A&F Pawn Jewelry and Loan 1155 N Washington Blvd UNIT E, Sarasota, FL 34236 +1 (941) 951 - 2570
NFM Lending - Palm Harbor, FL - Branch 306 33920 US Hwy 19 N Suite 150, Palm Harbor, FL 34684 +1 (727) 938 - 9007
Jackson County Teachers Credit Union 4466 Clinton St, Marianna, FL 32446 +1 (850) 526 - 4470

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Sopchoppy, FL, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Boca Raton, FL, Payday Loans in Bonita Springs, FL, Bad Credit Loans in Boynton Beach, FL, Payday Loans in Bradenton, FL, Quick Loan in Brandon, FL, Payday Loan for Cape Coral, FL, Payday Loan Without a Credit Check in Clearwater, FL and Payday Loans in Clermont, 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 Sopchoppy, FL.

Beautiful sights of Sopchoppy, FL

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

32358

Are Payday Loans Legal In Sopchoppy, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Sopchoppy, 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

Sopchoppy, FL payday loan calculator

Payday Loans in Sopchoppy, Florida: Everything You Need to Know

Are you facing a financial emergency and need immediate cash to solve it? Have you considered taking out a payday loan? If you live in Sopchoppy, Florida, payday loans are legal and could be a viable option for you. In this article, we will explore payday loans in Sopchoppy, Florida, and provide you with all the information you need to make an informed decision.

What is a payday loan?

A payday loan is a short-term loan that is designed to help you cover unexpected expenses until your next payday. These loans are typically for small amounts, ranging from $100 to $500, and are usually repaid in full on your next payday. Payday loans are popular among people who have poor credit scores or no credit history.

How do payday loans work in Sopchoppy, Florida?

In Florida, payday loans can be offered for up to $500, and the loan term can be up to 31 days. The maximum finance charge for a loan of $100 is $16, and the maximum APR (annual percentage rate) that lenders can charge is 304%. In Sopchoppy, Florida, payday lenders are required to be licensed and regulated by the state.

To apply for a payday loan in Sopchoppy, you will need to provide the lender with your name, address, Social Security number, and proof of income. Once you are approved, the funds will be transferred to your checking account or loaded onto a debit card. On your due date, the lender will automatically withdraw the loan amount plus fees from your account.

What are the benefits of payday loans?

Payday loans have several benefits, including:

  • Easy and fast application process
  • No credit check required
  • No collateral needed
  • You can get cash within 24 hours
  • You can use the money for any purpose

What are the risks of payday loans?

While payday loans can be useful in emergency situations, they also present some risks. These risks include:

  • High-interest rates and fees: Because payday loans are meant to be repaid quickly, the interest rates and fees can be high, making the loan expensive over time.
  • Debt trap: Rolling over or renewing your payday loan can lead to a cycle of debt that can be difficult to escape from.
  • Impact on credit score: If you default on a payday loan, it can be reported to credit bureaus and lower your credit score.

Interesting facts and statistics about payday loans in Sopchoppy, Florida

  • According to a report from the Florida Office of Financial Regulation, there were 937 payday lenders operating in Florida in 2019.
  • Florida law requires that borrowers wait 24 hours before taking out another payday loan.
  • The average APR for payday loans in Florida is 304%, which is one of the highest in the nation.

Apply Now

If you are considering taking out a payday loan in Sopchoppy, Florida, TheGuaranteedLoans can help connect you with potential lenders. We are a connector service and not a direct lender, meaning we work with a network of lenders to find you the best loan option for your needs. To get started, simply fill out our online application form today.

Conclusion

Payday loans can be a useful tool for borrowers facing a financial emergency. They provide quick access to cash and don’t require a credit check. However, they can be expensive over time and lead to a cycle of debt if not repaid on time. If you are considering a payday loan in Sopchoppy, Florida, make sure you understand the risks and benefits and only borrow what you can afford to repay.

F.A.Q.

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

Yes, payday loans in Sopchoppy, 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.

Can I get a payday loan in Sopchoppy, Florida if I am unemployed?

Yes, you may be able to get a payday loan in Sopchoppy, Florida even if you are unemployed. 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.