Payday Loans in Wacissa, Florida

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

Company nameAddressZip codePhone number
First Coast Community Cu 306 S Palm Ave, Palatka, FL 32177 +1 (386) 328 - 5555
Check 'n Go 27 University Blvd N, Jacksonville, FL 32211 +1 (904) 723 - 3221
Space Coast Credit Union 15885 SW 88th St 101, Miami, FL 33196 +1 (305) 882 - 5000
SunTrust Bank 1525 Rickenbacker Dr, Sun City Center, FL 33573 +1 (813) 922 - 7020
BB&T 2698 Martin Luther King Jr Blvd, Panama City, FL 32405 +1 (850) 747 - 1284
First Federal Bank 1012 Main St, Chipley, FL 32428 +1 (850) 638 - 7892
Chase Bank 5390 Stadium Pkwy, Rockledge, FL 32955 +1 (321) 633 - 6142
BB&T 2300 E Burleigh Blvd, Eustis, FL 32726 +1 (352) 253 - 2260
Check 'n Go 4460 S Cleveland Ave, Fort Myers, FL 33901 +1 (239) 275 - 4920
IBERIABANK 502 N US Hwy 17 92, Longwood, FL 32750 +1 (407) 831 - 1776

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Wacissa, FL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Dunedin, FL, Online Loans in Estero, FL, Payday Loans in Fort Lauderdale, FL, Payday Loans in Fort Myers, FL, Same Day Loans in Fort Pierce, FL, Payday Loans in Gainesville, FL, Emergency Loan in Hialeah, FL and Payday Loans in Hollywood, 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 Wacissa, FL.

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

32361

Are Payday Loans Legal In Wacissa, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Wacissa, 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

Wacissa, FL payday loan calculator

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

When facing a financial emergency, it can be difficult to know where to turn. Payday loans are a popular option for many people in Wacissa, Florida who need to borrow money quickly. If you’re considering a payday loan, it’s essential to understand what they are, how they work, and the laws and regulations surrounding them in Florida.

What Are Payday Loans?

Payday loans are short-term loans that usually must be repaid by the borrower’s next payday. They typically range from $100 to $1,000 and are designed to help borrowers cover unexpected expenses or bills that they cannot afford to pay on their own. In Wacissa, Florida, payday loans are legal and regulated by the state.

How Do Payday Loans Work?

The application process for payday loans is typically quick and straightforward. Borrowers provide the lender with their personal and financial information, along with a post-dated check for the loan amount plus fees and interest. If the borrower is approved, they receive the loan amount in cash or deposited into their bank account.

On the loan’s due date, the lender deposits the borrower’s post-dated check or requests payment directly from the borrower’s bank account. If the borrower cannot repay the loan, they may have the option to roll it over for an additional fee.

What Are the Requirements for Payday Loans in Wacissa, Florida?

To be eligible for a payday loan in Wacissa, Florida, borrowers must:

  • Be at least 18 years old
  • Have a valid ID and Social Security number
  • Provide proof of income, such as a pay stub or bank statement
  • Have an active checking account

What Are the Fees and Interest Rates for Payday Loans in Wacissa, Florida?

In Florida, lenders can charge a maximum of 10% interest on payday loans, plus a $5 verification fee. For example, if a borrower takes out a $200 loan, they can be charged up to $25 in fees and interest. Additionally, lenders can only extend a loan up to six times and only if the borrower pays off at least 5% of the original loan amount plus all fees and interest each time.

What Are the Risks of Payday Loans?

While payday loans can be a useful tool for borrowers in a financial bind, they can also be risky. The high fees and interest rates associated with payday loans can make it challenging for borrowers to repay the loans on time, leading to a cycle of debt and additional fees. Borrowers should carefully consider the terms and risks of payday loans before taking one out.

Interesting Facts and Statistics about Payday Loans in Wacissa, Florida

  • Approximately 8.4% of Floridians have used payday loans in the past 12 months.
  • Florida has more payday lenders than McDonald’s restaurants.
  • In 2020, Florida payday lenders disbursed over $3 billion in loans.
  • Women and African Americans are more likely to use payday loans than other groups in Florida.

Apply Now

If you’re in need of a payday loan in Wacissa, Florida, TheGuaranteedLoans can help. We are a connector service, not a direct lender, and we can help connect you with potential lenders who may be able to offer you a payday loan. Our application process is quick and straightforward, and we work with a wide variety of lenders to help you find the right loan for your needs. Apply now to get started.

Remember, payday loans can be a useful tool in times of financial emergency, but they come with risks. You should carefully consider the terms and fees associated with payday loans before borrowing. If you do decide to take out a payday loan, be sure to read the terms and understand all fees and requirements before signing on the dotted line.

F.A.Q.

How can I find a reputable payday lender in Wacissa, Florida?

To find a reputable payday lender in Wacissa, Florida, you can check with the Florida Office of Financial Regulation to make sure the lender is licensed and in good standing. You can also read reviews from other customers and compare interest rates and fees from different lenders to find the best deal.

What should I do if I feel that a payday lender in Wacissa, Florida has treated me unfairly?

If you feel that a payday lender in Wacissa, Florida has treated you unfairly, you can file a complaint with the Florida Office of Financial Regulation. You can also seek assistance from a nonprofit credit counseling agency or a consumer protection agency to help you resolve the issue.