Payday Loans in Winter Haven, Florida

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Payday Loan Companies in Winter Haven, FL

Company nameAddressZip codePhone number
Advance America 327 Cypress Gardens Blvd 33880 +1 (863) 292 - 2016
Axiom Bank 355 Cypress Gardens Blvd 33880 +1 (863) 508 - 1596
Bank of America with Drive-thru ATM 3010 Cypress Gardens Rd 33884 +1 (863) 325 - 9231
BB&T 250 Magnolia Ave Ste 100 33880 +1 (863) 519 - 3014
Brad Dantzler - Raymond James 141 5th St NW 33881 +1 (863) 298 - 9569
Cash America Pawn 1544 3rd St SW 33880 +1 (863) 294 - 8424
Cash America Pawn 1532 Ave O SW 33880 +1 (863) 294 - 8424
Cash Kwik Inc 1184 Havendale Blvd NW 1360 33881 +1 (863) 299 - 2980
Cash Qwik Inc 1184 Havendale Blvd NW 33881 +1 (863) 299 - 2980
Chase Bank 6105 Cypress Gardens Blvd 33884 +1 (863) 318 - 1240
CitiFinancial 303-399 Cypress Gardens Blvd 33880
Mariner Finance 5935 Cypress Gardens Blvd 500 33884 +1 (863) 401 - 9922
MIDFLORIDA Credit Union 5540 Cypress Gardens Blvd 33884 +1 (863) 688 - 3733
Rapid Auto Title Loans 141 W Central Ave 33880 +1 (407) 434 - 0239
Rapid Cash 1138 6th St NW 33881 +1 (863) 401 - 9211
Rapid Cash 506 Cypress Gardens Blvd 33880 +1 (863) 294 - 3000
Regions Bank 811 1st St S 33880 +1 (863) 969 - 1400
Sunbelt Credit 1084 Havendale Blvd NW 33881 +1 (863) 401 - 9922
SunTrust 595 Cypress Gardens Blvd Ste. 101 Ste. 101 33880 +1 (863) 297 - 6800
UBS Financial Services Inc. 295 1st St S 33880 +1 (888) 498 - 6445

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Winter Haven, FL, you can try to find different companies in big cities near by. Check out the following pages here: 24-Hour Loan in Winter Springs, FL, Quick Loan in Apopka, FL, Emergency Loan in Boca Raton, FL, Payday Loans in Bonita Springs, FL, Online Loans in Boynton Beach, FL, Payday Loans in Bradenton, FL, Payday Loans in Brandon, FL and Payday Loan for Cape Coral, 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 Haven, FL.

Beautiful sights of Winter Haven, FL

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

33880, 33881, 33885, 33882, 33884, 33380, 33888, 33883

Are Payday Loans Legal In Winter Haven, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Winter Haven, 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 Haven, FL payday loan calculator

Introduction to Payday Loans in Winter Haven, Florida

Payday loans in Winter Haven, Florida is a great way to receive short-term financial assistance. Payday loans are Legal in Florida and are regulated by the Florida Office of Financial Regulation (OFR). Payday loans allow consumers to borrow up to $500.00 in cash, with repayment due in two weeks. In some cases, a consumer may be able to extend the repayment period for additional fees. Payday loans are a great way to cover unexpected expenses or last minute bills.

How Payday Loans Work in Winter Haven, Florida

In order to apply for a payday loan in Winter Haven, Florida, you must be 18 years or older and have a valid form of ID. You will also need to provide your bank account information, including your routing number and account number. You will also need to provide your employer’s name and contact information.

The lender will review your application and, if approved, will deposit the loan amount directly into your bank account the following business day. You will then be responsible for repaying the loan, with payment due in full on the due date listed on the loan agreement. If you fail to make a payment on time, you may be subject to additional fees and other penalties.

Advantages of Payday Loans in Winter Haven, Florida

There are many advantages to taking out a payday loan in Winter Haven, Florida. One of the biggest advantages is that the process is fast and easy. Generally, the entire process from application to funding can take as little as one business day. There is also no credit check required for payday loans, so anyone can apply regardless of their credit score.

Payday loans are also a great option for those facing an unexpected expense or emergency situation. They can provide the financial assistance needed to cover the bill or emergency cost without having to worry about where the money will come from. Additionally, many payday lenders offer flexible repayment plans to make it easier to repay the loan on time.

Disadvantages of Payday Loans in Winter Haven, Florida

One of the biggest disadvantages of payday loans is that they come with very high interest rates and fees. Generally, payday loans have an APR of around 400%. This high cost can make it difficult for some to repay the loan on time, leading to more fees and potentially, a debt cycle. Additionally, many payday lenders do not report to the credit bureaus, so taking out a payday loan will not help to build or improve your credit score.

Alternatives to Payday Loans in Winter Haven, Florida

Before taking out a payday loan, explore all of your options. Consider talking to your family or friends or asking your employer for an advance. Review your budget and try to find ways to reduce expenses and increase your income. If you are having trouble making ends meet, consider contacting a credit counseling organization.

You may also be able to get help from local resources such as churches or social service agencies. Many of these organizations offer financial assistance or budgeting classes to help you get back on track. Additionally, you may be able to find an installment loan through a bank or credit union. While these loans may also have high interest rates, they often offer longer repayment terms and may be an option for some.

F.A.Q.

What is a payday loan?

A payday loan is a short-term loan, usually between $100 and $500, with repayment due in two weeks. Payday loans are regulated by the Florida Office of Financial Regulation and are a way to cover unexpected expenses or last minute bills.

What is the process for applying for a payday loan?

In order to apply for a payday loan in Winter Haven, Florida, you must be 18 years or older and have a valid form of ID. You will also need to provide your bank account information, including your routing number and account number, as well as your employer’s name and contact information.

Are there any alternatives to payday loans?

Yes, before taking out a payday loan, consider talking to family or friends or asking your employer for an advance. Review your budget and find ways to reduce expenses. Consider contacting a credit counseling organization or looking for assistance from local resources. You may also be able to find an installment loan through a bank or credit union.

Apply Now For Payday Loans From TheGuaranteedLoans

If you are in need of financial assistance, TheGuaranteedLoans can help. We are not lenders, but we can connect you with lenders to get the cash you need. Just fill out our short application and we will match you with a lender from our extensive network who can help you get the cash you need fast. Don’t wait, apply now and worry less with payday loans in Winter Haven, Florida.

More F.A.Q.

What are the maximum loan amounts and terms for payday loans in Winter Haven, Florida?

in Winter Haven, Florida, the maximum loan amount for a payday loan is $500, and the maximum loan term is 31 days. However, some lenders may offer longer repayment terms if you are unable to pay off the loan within the initial 31-day period.

Are payday loans in Winter Haven, Florida regulated by state law?

Yes, payday loans in Winter Haven, Florida are regulated by state law. The Florida Office of Financial Regulation is responsible for enforcing state payday lending laws and ensuring that lenders are complying with all applicable regulations.

How Many Cash Advance Companies are in Winter Haven, FL?

With the help of our service, you will be able to find 20 cash advance companies in Winter Haven, FL

What Cash Advance Companies in Winter Haven, FL are the most popular?

You should check Cash America Pawn, Rapid Cash, and Advance America. Also, you can start your application online on our website.