Payday Loans in Venus, Florida

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

Company nameAddressZip codePhone number
Eglin Federal Credit Union ATM 798 E John Sims Pkwy, Niceville, FL 32578
Check 'n Go 5335 N Military Trl Unit 50, West Palm Beach, FL 33407 +1 (561) 681 - 9595
Advance Auto Parts 799 US-27 South, Lake Placid, FL 33852 +1 (863) 465 - 6888
Regions Bank 420 Mary Esther Blvd, Mary Esther, FL 32569 +1 (850) 659 - 2602
FineMark National Bank & Trust 800 Laurel Oak Dr 101, Naples, FL 34108 +1 (239) 963 - 0700
BB&T 250 Magnolia Ave Ste 100, Winter Haven, FL 33880 +1 (863) 519 - 3014
Hancock Whitney Bank 1301 Industrial Dr, Crestview, FL 32539 +1 (800) 448 - 8812
First Flager & Nationwide 712 US-1, North Palm Beach, FL 33408 +1 (561) 714 - 7474
SunTrust 7677 Dr Phillips Blvd, Orlando, FL 32819 +1 (407) 867 - 6620
Wauchula State Bank 102 E Interlake Blvd, Lake Placid, FL 33852 +1 (863) 465 - 3553

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Venus, FL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Without a Credit Check in Port Orange, FL, Short-term Loans in Port Saint Lucie, FL, Payday Loan for Riverview, FL, Payday Loans in Saint Cloud, FL, Guaranteed Loans in Saint Petersburg, FL, Same Day Loans in Sanford, FL, Emergency Loan in Sarasota, FL and Payday Loans in Spring Hill, 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 Venus, FL.

Are Payday Loans Legal In Venus, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Venus, 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

Venus, FL payday loan calculator

Payday Loans in Venus, Florida: What You Need to Know

Payday loans, or short-term loans, are a popular financial option for many Americans who need quick cash to cover unexpected expenses. In Florida, payday loans are legal and regulated by the state, making them a viable option for residents of Venus who find themselves in need of extra cash.

How Do Payday Loans Work?

Payday loans are short-term loans that must be paid back by the borrower’s next paycheck, typically within two weeks in most states. Florida is no exception, allowing payday loans for up to $500 with a maximum loan term of 31 days. These loans are designed to be convenient and accessible to borrowers who might not have access to traditional loans, such as those with poor credit or no credit history.

To apply for a payday loan in Florida, borrowers must provide a valid form of identification, proof of income, and a postdated check or authorization for electronic debit from their bank account. The amount borrowed plus fees and interest are deducted from the borrower’s account when the loan is due.

Why Get a Payday Loan?

There are many reasons someone might turn to a payday loan in Venus, Florida. For example, unexpected expenses like car repairs, medical bills, or home repairs can cause a financial strain that payday loans can help alleviate. Additionally, payday loans can be used to cover regular expenses like rent or utility bills, especially for those who may not have a steady income.

Another common reason people choose payday loans is their accessibility. Unlike traditional loans, payday loans don’t require a lengthy application process or good credit history. Typically, borrowers can get approved for a payday loan within a few hours and receive funds as soon as the next business day.

Risks of Payday Loans

Although payday loans can be a helpful financial tool in times of need, they also come with risks. High interest rates and fees can make it difficult for borrowers to repay the loan and can lead to a cycle of debt. According to the Consumer Financial Protection Bureau, more than 80% of payday loans in Florida are rolled over or followed by another loan within two weeks, indicating that many borrowers struggle to pay off the initial loan.

Additionally, some payday lenders engage in predatory practices, such as making unauthorized withdrawals from borrowers’ bank accounts or charging excessive fees and interest rates. To avoid these risks, borrowers should carefully read the terms and conditions of any loan before accepting it and should only borrow from reputable lenders.

Interesting Facts about Payday Loans in Venus, Florida

  • The average interest rate for a payday loan in Florida is 304%, according to the Center for Responsible Lending.
  • Florida is one of 32 states that allows payday lending, but restrictions on interest rates and maximum loan amounts vary widely by state.
  • The average payday loan borrower in Florida takes out nine loans per year, according to the Office of Financial Regulation.

Apply Now

At TheGuaranteedLoans, we understand the financial challenges that residents of Venus, Florida, face. That’s why we offer a free online application service to connect eligible applicants with potential lenders. Simply fill out our online application, and we’ll work to find the lender that best meets your needs. It’s important to note that TheGuaranteedLoans is not a direct lender; we are a connector service that works to facilitate your connection with potential lenders.

If you’re in need of a payday loan in Venus, Florida, don’t hesitate to get started by filling out our online application. Our process is fast, easy, and confidential, and we’re committed to helping you find the financial assistance you need.

F.A.Q.

How can I file a complaint about a payday lender in Venus, Florida?

Borrowers who have concerns or complaints about a payday lender in Venus, Florida can contact the Florida Office of Financial Regulation. This agency can investigate and take action against payday lenders who violate state laws or regulations.

Can I be sued or have my wages garnished if I default on a payday loan in Venus, Florida?

If a borrower defaults on a payday loan in Venus, Florida, the lender may be able to sue the borrower to recover the outstanding balance. In some cases, the lender may be able to garnish the borrower's wages to repay the loan. It is important to carefully review the loan terms and understand the potential consequences of default before taking out a payday loan in Venus, Florida.