Payday Loans in Zolfo Springs, Florida

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

Company nameAddressZip codePhone number
CAMPUS USA Credit Union West Marion 11115 SW 93rd Ct Rd, Ocala, FL 34481 +1 (352) 237 - 9060
SunTrust Bank Dunlawton Square, 3865 S Nova Rd, Port Orange, FL 32127 +1 (386) 281 - 6072
Advance America 15 E. Brent Lane #4, Pensacola, FL 32503 +1 (850) 432 - 1210
IBERIABANK 2000 PGA Boulevard STE 2104, North Palm Beach, FL 33408 +1 (561) 776 - 2525
Cadence Bank - Barclay Branch 14211 Powell Rd, Brooksville, FL 34609 +1 (352) 796 - 3109
Renasant Bank 16404 NW 174 Dr, Alachua, FL 32615 +1 (386) 462 - 5700
SunTrust Bank 2525 N Forest Ridge Blvd, Hernando, FL 34442 +1 (352) 270 - 3279
Christensen Financial, Inc. Corporate 860 N State Rd 434, Altamonte Springs, FL 32714 +1 (407) 869 - 0008
Clewiston Pawn Inc 201 E Ventura Ave, Clewiston, FL 33440 +1 (863) 983 - 7330
Amscot - The Money Superstore 36640 5th Ave, FL-54, Zephyrhills, FL 33541 +1 (813) 780 - 7590

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Zolfo Springs, FL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Sanford, FL, Payday Loans in Sarasota, FL, Guaranteed Loans in Spring Hill, FL, Payday Loans in Tallahassee, FL, Payday Loans in Tampa, FL, Bad Credit Loans in The Villages, FL, Payday Loans in Titusville, FL and 24-Hour Loan in Valrico, 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 Zolfo Springs, FL.

Beautiful sights of Zolfo Springs, FL

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

33890

Are Payday Loans Legal In Zolfo Springs, Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

There are three active types of payday loans in Zolfo Springs, 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

Zolfo Springs, FL payday loan calculator

Payday Loans in Zolfo Springs, Florida: What You Need to Know

If you’re in need of quick cash, payday loans can seem like a lifeline. These loans are designed to be a short-term solution for emergencies, with the expectation that you’ll pay them back with your next paycheck. However, it’s important to understand both the benefits and risks before taking out a payday loan in Zolfo Springs, Florida.

How Payday Loans Work

Payday loans are typically small-dollar loans, often ranging from $100 to $500, that come with high-interest rates and fees. They’re intended to be a short-term solution to unexpected expenses, such as a car repair or medical bill. To apply for a payday loan in Zolfo Springs, Florida, you’ll typically need to provide proof of income and a bank account.

When you apply for a payday loan, you’ll receive the loan amount, minus fees and interest, upfront. When your next paycheck comes in, you’ll need to pay back the loan in full, plus interest and fees. If you can’t pay back the loan by your next paycheck, you may be able to roll it over, but this will typically come with additional fees and interest.

The Benefits of Payday Loans

The primary benefit of payday loans is that they offer quick access to cash when you need it. Unlike traditional loans, which can take weeks to process, payday loans can often be approved and funded within one business day. This can be especially helpful in emergencies, when you need cash right away.

Another benefit of payday loans is that they don’t require a credit check. This can be helpful if you have poor or limited credit history, since traditional loans may be more difficult to obtain.

The Risks of Payday Loans

While payday loans can be a helpful tool in emergencies, they do come with significant risks and downsides. Perhaps the most significant downside of payday loans is the high-interest rates and fees. According to the Florida Office of Financial Regulation, payday lenders in Florida can charge up to 10% of the loan amount as a fee, plus interest rates that can reach 304% APR. This means that if you take out a $300 payday loan in Zolfo Springs, Florida, you could end up paying back more than $400 in total.

Another risk of payday loans is that they can trap you in a cycle of debt. If you’re unable to pay back the loan on time, you may be able to roll it over, but this will typically come with additional fees and interest. Over time, this can result in a cycle of debt that’s difficult to escape.

Interesting Facts about Payday Loans in Zolfo Springs, Florida

  • According to a report from the Center for Responsible Lending, payday lending has cost Florida residents $2.5 billion in fees since 2005.
  • The number of storefront payday lenders in Florida has decreased in recent years, from over 1,000 in 2006 to around 700 today.
  • In Florida, borrowers who are unable to pay back their payday loans can request an extended repayment plan, which allows them to pay back the loan over a longer period of time without additional fees or interest.

Applying for a Payday Loan in Zolfo Springs, Florida

If you’re in need of quick cash and are considering a payday loan in Zolfo Springs, Florida, TheGuaranteedLoans can help. We’re a connector service that helps connect borrowers with potential lenders. To get started, simply fill out an online application on our website. Keep in mind that we’re not a direct lender, and that the terms and rates of your loan will be determined by the lender you’re connected with.

It’s important to remember that payday loans aren’t a long-term solution to financial problems. If you’re struggling with debt or other financial issues, it may be worthwhile to explore other options, such as credit counseling or debt consolidation. However, if you’re in need of quick cash to cover a short-term expense, a payday loan may be a viable option.

F.A.Q.

Can payday lenders garnish my wages in Zolfo Springs, Florida?

Yes, if you default on your payday loan in Zolfo Springs, Florida, the lender may be able to garnish your wages to recover the unpaid loan amount. However, there are limits on the amount that can be garnished, and the lender must first obtain a court order.

Can payday lenders take legal action against me in Zolfo Springs, Florida?

Yes, if you default on your payday loan in Zolfo Springs, Florida, the lender may be able to take legal action against you to recover the unpaid loan amount. This could include filing a lawsuit against you or obtaining a judgment against you.