Payday Loans in Winter Beach, Florida

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

Company nameAddressZip codePhone number
K & M Check Cashing 2461 Hanson St, Fort Myers, FL 33901 +1 (239) 461 - 5235
4 Corners Pawn and Gun 9726 US-192, Clermont, FL 34714 +1 (863) 420 - 1513
RP Funding 1400 International Pkwy S 1000, Lake Mary, FL 32746 +1 (888) 648 - 4843
The Check Cashing Store 2134 Okeechobee Blvd, West Palm Beach, FL 33409 +1 (561) 686 - 1010
Family Financial Planners Inc 4499, 406 S Dixie Ave 1, Fruitland Park, FL 34731 +1 (352) 326 - 4000
SunTrust Bank 4101 S Tamiami Trail, Venice, FL 34293 +1 (941) 882 - 5377
Suncoast Credit Union 1730 Cape Coral Pkwy W, Cape Coral, FL 33914 +1 (800) 999 - 5887
Cash America Pawn 401 Mary Esther Blvd, Mary Esther, FL 32569 +1 (850) 243 - 3022
Payday Loans Miami Beach 742, Miami Beach Boardwalk, Miami Beach, FL 33140
TD Bank 13633 US-1, Sebastian, FL 32958 +1 (772) 581 - 1490

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Winter Beach, FL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Pompano Beach, FL, Payday Loan Without a Credit Check in Port Charlotte, FL, Payday Loans in Port Orange, FL, Short-term Loans in Port Saint Lucie, FL, Payday Loans in Riverview, FL, Payday Loans in Saint Cloud, FL, Payday Loans in Saint Petersburg, FL and Payday Loans in Sanford, 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 Winter Beach, FL.

Beautiful sights of Winter Beach, FL

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

32971, 32977

Are Payday Loans Legal In Winter Beach, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Winter Beach, 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

Winter Beach, FL payday loan calculator

Payday Loans in Winter Beach, Florida: What You Need to Know

Payday loans can be a helpful solution for those who need cash quickly to cover unexpected expenses. In Florida, payday loans are legal and can provide a way for individuals to get the money they need without having to go through a time-consuming application process.

What is a Payday Loan?

A payday loan is a short-term, high-interest loan that is typically due on the borrower’s next payday. The loans are usually small dollar amounts, ranging from $100 to $1,000, and are designed to provide temporary financial relief until the borrower’s next paycheck arrives.

Payday loans in Winter Beach, Florida are regulated by state law. The Florida Office of Financial Regulation oversees payday lenders to protect consumers from predatory lending practices.

How Payday Loans Work

Payday loans are easy to obtain. Borrowers need to provide proof of income and identification to the lender. Once approved, the borrower receives the loan amount and agrees to repay the loan on their next payday, usually within two to four weeks. The repayment includes the principal loan amount and the interest charged by the lender.

One important thing to keep in mind is that payday loans can be expensive, with interest rates ranging from 300% to 500%. This means that if you borrow $500, you may have to repay the lender $575 or more. It’s essential to carefully consider all of your options and understand the terms and conditions of any loan before accepting it.

Benefits of Payday Loans

  • Quick access to cash when you need it
  • No credit check required
  • Easy application process
  • Regulated by state law for consumer protection

Things to Consider Before Applying for a Payday Loan in Winter Beach, Florida

Before applying for a payday loan, it’s essential to understand the risks and responsibilities that come with borrowing. Here are a few things to consider:

  • Payday loans come with high interest rates and fees, which can make repayment difficult.
  • If you take out a payday loan and can’t repay it on time, the lender may charge you additional fees or interest and even take legal action to collect the debt.
  • If you have a good credit history, other types of loans, such as personal loans or credit cards, may offer better terms and lower interest rates.

Interesting Facts and Statistics About Payday Loans in Winter Beach, Florida

  • The average payday loan in Florida is $370, with an average APR of 304.26%.
  • Florida law limits the amount of a payday loan to $500, but borrowers can have multiple loans from different lenders.
  • Florida has the highest concentration of payday lenders in the US, with over 1,000 active storefronts.
  • In 2019, Florida borrowers took out nearly 5 million payday loans, with a total loan amount of over $3.5 billion.

Apply Now for a Payday Loan in Winter Beach, Florida

If you’ve considered your options and decided that a payday loan is the right solution for you, TheGuaranteedLoans can help. We are a connector service that can match you with potential lenders. By filling out our online application, you’ll be connected with lenders who can offer you the cash advance you need.

It’s important to remember that TheGuaranteedLoans is not a direct lender. We don’t make decisions about loans or offer any financial advice. Our job is to connect you with potential lenders and facilitate the lending process. We aim to provide a straightforward and transparent service to help you get the cash you need when you need it most.

Contact us today to learn more about our payday loan services and how we can help you.

F.A.Q.

Are there any alternatives to payday loans in Winter Beach, Florida?

Yes, there are several alternatives to payday loans in Winter Beach, Florida that may be more affordable and less risky for borrowers. These options include credit union loans, community development financial institution loans, and small personal loans from banks or online lenders.

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

Borrowers who have concerns or complaints about a payday lender in Winter Beach, 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.