Payday Loans in Wabasso, Florida

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

Company nameAddressZip codePhone number
Advance America 8595 Beach Blvd #350, Jacksonville, FL 32216 +1 (904) 646 - 9731
PNC Bank 13035 US-1, Sebastian, FL 32958 +1 (772) 589 - 3182
City National Bank - ATM 586 US 27 N, Lake Placid, FL 33852 +1 (863) 699 - 2081
SunState Federal Credit Union: Chiefland Branch 10031 NW 22nd Ct, Chiefland, FL 32626 +1 (352) 490 - 5700
Bank of America with Drive-thru ATM 1140 N Tamiami Trail N, Nokomis, FL 34275 +1 (941) 484 - 9858
VyStar Credit Union - Fernandina Branch 1900 S 14th St, Fernandina Beach, FL 32034 +1 (800) 445 - 6289
Grow Financial Federal Credit Union: Pasco Store 6121 FL-54, New Port Richey, FL 34653 +1 (800) 839 - 6328
Grow Financial Federal Credit Union: Wesley Chapel Store 2579 Bruce B Downs Blvd, Wesley Chapel, FL 33544 +1 (800) 839 - 6328
ACE Cash Express 246 Blanding Blvd, Orange Park, FL 32073 +1 (904) 276 - 1417
AIS Tax and Financial, LLC.: Charles Cash, EA, MBA, Tax Advisor 3280 Tamiami Trail 32 Next Door to YouFit Gym AND behind T-Mobile, Tamiami Trail, Port Charlotte, FL 33952 +1 (941) 249 - 3043

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Wabasso, 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 Cape Coral, FL, Short-term Loans in Clearwater, FL, Payday Loans in Clermont, FL, Quick Loan in Daytona Beach, FL, Payday Loans in Deerfield Beach, FL, Payday Loans in Deland, FL, Same Day Loans in Delray Beach, FL and Payday Loans in Deltona, 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 Wabasso, FL.

Beautiful sights of Wabasso, FL

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

32970

Are Payday Loans Legal In Wabasso, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Wabasso, 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

Wabasso, FL payday loan calculator

Payday Loans in Wabasso, Florida

Payday loans are a popular form of short-term borrowing for many people in Wabasso, Florida. They offer a quick and convenient way to get cash when you need it most, often with no credit check required. However, payday loans also come with high interest rates and fees, making it important to understand the risks involved before taking one out.

How do payday loans work?

Payday loans are typically small amounts of money – usually up to $500 – that are borrowed for a short period of time, typically two weeks or until your next paycheck. To apply for a payday loan, you must provide a post-dated check or authorize an electronic payment for the amount borrowed plus fees and interest.

In Florida, payday lenders are regulated by the state, and there are specific laws and regulations governing how much you can borrow, how much interest and fees can be charged, and how long you have to repay the loan.

Interest rates and fees

Florida law allows payday lenders to charge a maximum fee of 10% of the loan amount plus a verification fee of up to $5. For example, if you borrow $100, you may be charged up to $15 in fees.

Payday loans also come with high interest rates, which are calculated as an annual percentage rate (APR). In Florida, the maximum APR for payday loans is 304%. This means that if you borrow $100 for two weeks, you may be charged up to $16 in interest.

Risks and alternatives

The high fees and interest rates associated with payday loans can make it difficult to repay the loan on time, leading to a cycle of debt. If you’re considering a payday loan, it’s important to carefully evaluate your financial situation and ensure that you can afford to repay the loan in full on the due date.

Before taking out a payday loan, consider other options, such as borrowing from friends or family, negotiating with creditors or billers, or getting an advance from your employer. Some credit unions and banks also offer small-dollar loans with more affordable interest rates and fees.

Apply Now

At TheGuaranteedLoans, we understand that unexpected expenses can arise at any time, and we’re here to help connect you with potential lenders who can provide fast and convenient payday loans. If you’re in need of cash today, simply fill out our online application to get started.

It’s important to note that we are not a direct lender, but rather a connector service. This means that we work with a network of trusted lenders to help find the right loan option for you.

Interesting facts and statistics

  • Florida law allows payday loans up to $500, with a maximum repayment term of 31 days.
  • According to a 2018 report by the Center for Responsible Lending, payday lenders in Florida charged an average APR of 300% on short-term loans.
  • In 2019, the Florida Legislature passed a bill to increase the maximum loan amount to $1,000, but it was vetoed by Governor Ron DeSantis.

Conclusion

Payday loans can be a helpful tool for people in need of quick cash, but they also come with high costs and risks. It’s important to carefully evaluate your financial situation and explore other options before taking out a payday loan.

At TheGuaranteedLoans, we’re committed to providing our readers with valuable and accurate information about payday loans and other borrowing options. If you’re in need of cash today, visit our website to learn more about how we can help connect you with potential lenders.

F.A.Q.

Can I be denied a payday loan in Wabasso, Florida if I have filed for bankruptcy?

Yes, payday lenders in Wabasso, Florida are allowed to deny loans to borrowers who have filed for bankruptcy. This is because borrowers who have filed for bankruptcy are considered to be high-risk and may be unable to repay their loans.

Is it a good idea to take out a payday loan in Wabasso, Florida to pay off another payday loan?

No, it is not a good idea to take out a payday loan in Wabasso, Florida to pay off another payday loan. This is known as “loan stacking” and it can quickly lead to a cycle of debt that is difficult to escape. It is best to seek other options, such as a payment plan or credit counseling, to help you pay off your payday loan.