Payday Loans in Sparr, Florida

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

Company nameAddressZip codePhone number
Regions Bank 16723 SE Pear Street, Blountstown, FL 32424 +1 (850) 674 - 9110
Smith Asset Management Co 322 E Park Ave, Chiefland, FL 32626 +1 (352) 493 - 7700
Cash Plus 2059 US-1, Fort Pierce, FL 34950 +1 (772) 466 - 8669
Check 'n Go 2930 Florida Ave S, Lakeland, FL 33803 +1 (863) 802 - 8282
Low On Dough/ Business Cash Advance 3905 Tampa Rd, Oldsmar, FL 34677
First Horizon Bank 599 9th St N, Naples, FL 34102 +1 (239) 659 - 3022
Advanced Loan Systems, LLC 3717 Apalachee Pkwy 201, Tallahassee, FL 32311 +1 (800) 696 - 6639
CAMPUS USA Credit Union West Campus Gainesville 1900 SW 34th St, Gainesville, FL 32608 +1 (352) 335 - 9090
Hancock Whitney Bank 1387 Shoreline Dr, Gulf Breeze, FL 32561 +1 (800) 448 - 8812
Chase Bank 13621 US-441, Lady Lake, FL 32159 +1 (352) 259 - 3495

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Sparr, FL, you can try to find different companies in big cities near by. Check out the following pages here: Same Day Loans in Kissimmee, FL, No Credit Check Loans in Lake Worth, FL, Payday Loans in Lakeland, FL, Payday Loans in Land O' Lakes, FL, Payday Loan for Largo, FL, Payday Loans in Lehigh Acres, FL, Payday Loans in Melbourne, FL and No Credit Check Loans in Merritt Island, 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 Sparr, FL.

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

32192

Are Payday Loans Legal In Sparr, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Sparr, 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

Sparr, FL payday loan calculator

Understanding Payday Loans in Sparr, Florida

Financial emergencies can happen when you least expect them, and without the right funds, they can quickly spiral into a difficult situation. If you’re in Sparr, Florida, and need a quick boost to your finances, a payday loan could be a viable solution.

Payday loans have a mixed reputation, but they serve as crucial financial tools for many low-income earners. According to Florida law, payday loans are legal in the state, with specific restrictions for lenders and borrowers to ensure that they aren’t exploitative.

How Do Payday Loans Work in Sparr, Florida?

At its core, a payday loan is a short-term borrowing that typically lasts two weeks or until the borrower’s next payday. Unlike traditional loans, payday loans don’t require a credit check — which means adults with poor credit are still eligible to apply.

To apply for a payday loan in Sparr, Florida, you’ll typically need to provide the lender with proof of income, a valid ID, and a current bank account. Borrowers can request loans ranging from a few hundred dollars to a few thousand, depending on their lender and financial situation.

Once you’ve been approved for a payday loan, you’ll receive cash within a few hours, deposited directly into your bank account. When it’s time to repay the loan, the lender will automatically withdraw the borrowed amount plus fees from your bank account.

Benefits and Risks of Payday Loans in Sparr, Florida

As with any kind of financial borrowing, payday loans come with both benefits and risks. Here are some you should consider before applying for a payday loan in Sparr:

Benefits

  • Easy Application: Payday loans typically have a simple application process that allows borrowers to request and access funds quickly.
  • No Credit Check: Payday lenders typically don’t require credit checks, making the borrowing process more accessible for those without excellent credit.
  • Regulated: Payday loans in Florida are regulated by law to protect borrowers from high-interest rates, excessive fees, and other predatory practices.

Risks

  • Expensive Fees: Payday loans come with high-interest rates and fees, which can be more expensive in the long run compared to other types of borrowing.
  • Debt Cycle: Payday loans are often used by low-income earners who may have difficulty repaying the loan on time. Rolling over loans or taking out multiple loans can create a debt cycle that’s hard to break out of.
  • Lender Fraud: Not all lenders offer loans that comply with state law. Borrowers need to do their research to ensure they’re working with a reputable and licensed lender.

Interesting Facts About Payday Loans in Sparr, Florida

  • Florida law caps payday loan amounts at $500 and imposes a 24-hour waiting period between loans.
  • According to 2019 data from the Florida Office of Financial Regulation, there are 1,890 licensed payday lenders in the state.
  • The average interest rate for payday loans in Florida is 304%.

How to Apply for a Payday Loan in Sparr, Florida

Applying for a payday loan in Sparr, Florida is easy with TheGuaranteedLoans. As a connection service, we help borrowers access potential lenders who may be willing to offer payday loans.

To apply for an online payday loan in Sparr, Florida, visit our website and complete our online application form. We’ll guide you through the application, and once approved, we’ll connect you with potential lenders who may offer you the funds you need.

Important Note:

TheGuaranteedLoans service operates only as a connector service, not as a direct lender. Our connections with potential lenders offer borrowers access to a broad range of payday loan options and competitive rates, helping them make informed borrowing decisions.

Conclusion

If you find yourself in a financial bind and need cash fast, payday loans could be a viable solution. While there are risks associated with payday loans, regulations in Sparr, Florida, are in place to protect borrowers from predatory lending practices.

To learn more about applying for a payday loan in Sparr, Florida, visit our website, and complete our online application.

F.A.Q.

What are the eligibility requirements for payday loans in Sparr, Florida?

To be eligible for a payday loan in Sparr, Florida, borrowers must be at least 18 years old, have a regular source of income, and have an active checking account.

How much can I borrow with a payday loan in Sparr, Florida?

The maximum amount that can be borrowed with a payday loan in Sparr, Florida is $500. However, some lenders may offer higher loan amounts to borrowers who meet certain eligibility criteria.