Payday Loans in Youngstown, Florida

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

Company nameAddressZip codePhone number
Advance America 370 W Granada Blvd, Ormond Beach, FL 32174 +1 (386) 615 - 9585
Mariner Finance 500 Barton Blvd #3, Rockledge, FL 32955 +1 (321) 637 - 9002
Southernmost Federal Credit Union 1004 Kennedy Dr, Key West, FL 33040 +1 (305) 296 - 6568
Eglin Federal Credit Union 4558 FL-20, Niceville, FL 32578 +1 (850) 862 - 0111
Seacoast Bank 1601 E Oak St, Arcadia, FL 34266 +1 (863) 491 - 4100
Advance America 3111 Mahan Dr #28, Tallahassee, FL 32308 +1 (850) 877 - 2978
First Federal Bank 4215 Lafayette St, Marianna, FL 32446 +1 (850) 526 - 4411
Setco Services, LLC 2930 W County Hwy 30A UNIT 101, Santa Rosa Beach, FL 32459 +1 (850) 650 - 6161
Achieva Credit Union 2499 Lee Blvd, Lehigh Acres, FL 33971 +1 (239) 303 - 9544
Rapid Auto Loans 7372, 911 E Atlantic Blvd 101, Pompano Beach, FL 33060 +1 (954) 678 - 5781

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Youngstown, FL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Land O' Lakes, FL, No Credit Check Loans in Largo, FL, Payday Loan for Lehigh Acres, FL, Payday Loans in Melbourne, FL, Same Day Loans in Merritt Island, FL, Payday Loans in Miami, FL, Same Day Loans in Miami Beach, FL and Payday Loans in Navarre, 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 Youngstown, FL.

Beautiful sights of Youngstown, FL

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

32466

Are Payday Loans Legal In Youngstown, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Youngstown, 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

Youngstown, FL payday loan calculator

Payday Loans in Youngstown, Florida: Your Guide to Fast Cash

Are you struggling to make ends meet this month? You’re not alone. Many people in Youngstown, Florida, and across the country, find themselves in tight financial spots from time to time.

If you’re short on cash and need to cover an unexpected expense, you might consider taking out a payday loan. Payday loans are a type of short-term loan that can help you get the fast cash you need to cover your bills until your next paycheck.

How Do Payday Loans Work?

Payday loans are designed to be a short-term solution to your financial problems. When you take out a payday loan, you borrow a small amount of money-usually a few hundred dollars-and agree to repay it, plus interest and fees, by your next payday.

When you apply for a payday loan, you’ll generally be asked to provide proof of income and a bank account. You’ll also need to write a postdated check or provide the lender with access to your bank account so they can withdraw the funds on your next payday.

Payday loans can be a lifesaver when you’re in a financial bind. However, they can also be a trap if you’re not careful. Payday loans have very high-interest rates and fees, which can make it difficult to pay them back on time. If you’re unable to repay your payday loan by the due date, you may be hit with additional fees and charges, and the debt can quickly spiral out of control.

Are Payday Loans Legal in Florida?

Yes, payday loans are legal in Florida. However, there are some limits on the amount of money you can borrow and the fees that lenders can charge.

In Florida, you can borrow up to $500 in a payday loan, and the loan term must be less than 31 days. Lenders can charge a fee of up to 10% of the loan amount, plus a $5 verification fee. This means that if you borrow $100, you’ll pay a fee of $15.

Florida also has strict regulations on rollovers and repayment plans. In most cases, lenders are not allowed to rollover your loan or extend the repayment term. If you’re unable to repay your payday loan on time, the lender must offer you an extended payment plan at no additional cost.

How to Find the Best Payday Loan in Youngstown, Florida

If you’re considering taking out a payday loan in Youngstown, Florida, it’s important to do your research and find a reputable lender. Here are some tips to help you find the best payday loan:

  • Compare rates and fees: Different lenders may charge different interest rates and fees. Always compare the rates and terms from multiple lenders before you choose one.
  • Read reviews: Look online for reviews from other borrowers to find out what their experiences were like with the lender.
  • Check the lender’s license: Make sure the lender is licensed to do business in Florida. You can check the Florida Office of Financial Regulation’s website to verify a lender’s license.
  • Understand the terms: Before you sign any loan agreement, make sure you understand the terms, including the repayment schedule and any penalties for late payments or early repayment.

Interesting Facts and Statistics

  • According to the Center for Responsible Lending, the average APR for a payday loan in Florida is 304%.
  • Florida has some of the highest payday loan usage rates in the country. In 2019, Floridians took out more than 7.7 million payday loans, borrowing a total of $3.06 billion.
  • The majority of payday loan borrowers in Florida are white, female, and between the ages of 25 and 44.

Apply Now

If you’re in need of a payday loan in Youngstown, Florida, TheGuaranteedLoans can help you find a lender. We are a connector service that works with a network of reputable lenders to help borrowers find fast cash.

Simply fill out our online application to get started. We’ll ask for some basic information, including your name, address, and income, and match you with potential lenders who may be able to help you get the money you need. Remember, TheGuaranteedLoans is not a direct lender, but we can help you connect with one.

Don’t let a financial emergency catch you off guard. Apply for a payday loan today with TheGuaranteedLoans and get the cash you need to cover your bills.

F.A.Q.

What are the maximum loan amounts and interest rates for payday loans in Youngstown, Florida?

The maximum loan amount for a payday loan in Youngstown, Florida is $500, and the maximum interest rate is 10% per month.

Are there any restrictions on the number of payday loans that can be taken out in Youngstown, Florida?

Yes, in Youngstown, Florida, borrowers are limited to one outstanding payday loan at a time.