Get a payday loan in no time

Speedy Payday Loans Online in Florida (FL)

Most people often face cash shortage at the most inappropriate moment. Or they got into unpleasant situations when it was necessary to pay for car repairs, purchase household appliances, or go on vacation.

Asking for financial help from family or friends is not always a suitable option. But you can easily apply for a speedy loan online.

Today, this service is very popular among Florida residents. To apply for this type of lending, the client needs to have a bank account. You can expect to have the funds in your bank account immediately.

Table of contents:

Payday Loans Florida | Online With Quick Approval

A payday loan (also known as a cash advance loan) is a small-dollar loan (usually up to $1,000) for a short period of time (7-30 days). Common features of such loans are:

  • online application – you can apply from the comfort of your home;
  • fast funding – money is issued the same day you apply;
  • relaxed eligibility criteria – almost every person is eligible for a loan.

Due to the ease of receiving money, the service has become popular among the US population.

You can get $1,000 in cash with payday loans!

The average payday loan amount is $350 on a two-week term, according to the statistics. But the amounts can range from $50 to $1,000 depending on the lender and your finances.

This doesn’t mean you’ll get the highest amount allowed by law. A lender may consider your monthly earnings when deciding how much you are eligible for. However, other lenders may not evaluate your ability to pay off the debt, or your other obligations.

Common reasons why people use payday loans

loan use

Major purchases

loan use

Medical expenses

loan use

Car emergencies

loan use

Special occasion

loan use

New appliances

loan use

Taxes owed

loan use


loan use

Utility expenses

Who will benefit from online payday loans?

We are trying to do everything so that as many Internet users as possible have access to speedy payday loans. Today, online loans can be taken around the clock by almost every person who has encountered difficulties in getting a bank loan, including:

  • clients with a bad credit history;
  • applicants living only on social benefits;
  • people without official employment;
  • retired people;
  • young mothers;
  • students and youth.

Even borrowers with a low credit score and customers without official income will be able to take out an online loan thorough our referral service. You won’t be able to get a bad credit loan in a bank. Every Internet user is important to us, and we are ready to help each applicant (subject to compliance with the basic borrower requirements).

There are many clients among our borrowers who are eligible for bank loans but they choose our company because they are satisfied with the level of service that we offer to our clients.

What do I need to apply?

To apply for a 24 hour payday loans Florida, you will need to provide:

Personal information Financial information
Name Proof of a steady source (wages, disability benefits, pension, scholarship, or another income source)
Address Proof of a bank account that we ask to be open for at least one month. Acceptable documents may vary by state.
Phone number
Email address
Social Security Number or Individual Taxpayer Identification Number
Government-issued ID

How online payday loans work in Florida

It is easy and hassle-free to get a payday loan in Florida. For this, just follow a few steps:

Costs and regulations for payday loans in FL

Payday loans in Florida are accompanied by various laws and regulations. Before you apply for a cash advance loan, make sure you know these laws and understand how the system works. This knowledge can protect you from hidden fees and sky-high interest rate.

The minimum APR varies by lender, but the maximum APR in Florida can reach 419%. Also, you may be charged some extra fees – usually $10 for every $100 you borrow. Besides, there may be penalties for late payments. If you are an adult Florida resident, you are welcome to get a speedy payday loan of up to $500.

A lender may also charge a $5 verification fee. You may be charged an insufficient funds fee of $30 if the face value of the check is over $50; or $40 if the face value of the check is over $300. The Florida laws didn’t set the number of loans you can have at the same time.

Fee schedule and APR examples

A $300 payday loan for a 17-day term has an APR of 250.49% and a finance charge of $35.00. The table below gives representative examples. It only provides an example of an average payday loan issued via our referral service. If accepted, the rates and terms of your loan agreement may vary slightly depending on your qualifications.

Amount Borrowed Fees APR Amount Due
$100 $15 195.54% $115
$200 $25 162.95% $225
$400 $45 146.65% $445
$500 $55 143.39% $550

Looking for “payday loans near me”?

If you are searching for “payday loans near me”, consider as your assistant in getting the best loan offer from credible Florida direct lenders. We’ll match you with the right lender from our network based on your needs and finances. You just need to fill in the application form and find the most suitable payday loan near me. If you have any questions, contact us 24/7 and let’s discuss the needed details.

Things to consider when applying for a payday loan in Florida

  • Decide how much you need and for how long;
  • Check the reputation of the company you got matched with;
  • Assess the interest rate and read the general terms and conditions of the contract;
  • Check the contract for additional services – they may affect the total loan amount;
  • Pay attention to the total cost of the loan. It is usually indicated on the first page of the contract.

Payday loans in Florida for bad credit score

When a bank refuses to issue a loan due to bad credit history, do not despair. First, you need to check your credit history with the Credit Bureau. This service is provided free of charge once a year. If you delay payment for 2-3 days, the bank will not treat you like a malicious defaulter, but a delay of 1-2 months will damage your reputation.

bad credit okAt the moment, there are many microfinance organizations in our network that accept consumers with a bad credit history or no credit at all. Of course, the interest rate in this case may be higher than in a bank. But the choice of such lenders is quite large, and each client can find an offer on favorable terms.

Do you consider yourself a solvent borrower who will be able to repay a loan on time? Then welcome to use our referral service and become our client, regardless of your social status and finances.

To apply for a bad credit loan online, you only need a government-issued, a steady income and a bank account. Documents confirming solvency are not requested by financial companies. The lender analyzes your financial condition on the basis of the information provided by you in the application.

Benefits of Florida payday loans

The Internet has long become an integral part of our lives. Online services help to solve many problems, including those related to obtaining a loan. It is no secret that a large number of Florida residents use online loans. The share of online loans exceeds 70%, and many clients have long appreciated a number of advantages of remote servicing.

Save time. The main advantage of online loans is convenience and simplicity – there is no need to go to a financial institution several times, adjust to a work schedule, or stand in lines. All the necessary actions can be easily completed at lunchtime by filling out an application on the website. In addition, filling out an application via the Internet considerably saves time – with us, filling out the questionnaire will take no more than 5 minutes;

Apply around the clock. Online speedy loans can be obtained in the 24/7 format – that is, on any day of the week and even at night;

Instant approval. The lender makes a decision within a few minutes. Many banks reduce the loan processing time, but the client still needs to wait at least one day until the loan application is processed by employees. But if you need cash urgently, payday loans may help with this. Often, a client finds out whether a loan is approved or not a few minutes after the application has been submitted;

Fast funding. If approved, you will receive the money in a few hours or even instantly, and there is even no need to come to the company’s office to sign documents;

Availability of information. The most important thing to do before taking a loan is to read the terms and conditions of the contract. Our loans are devoid of any hidden fees, the borrower will immediately know the total loan cost. You can also find all the necessary information about Florida payday on our website;

Profitable terms. Lenders from our network offer favorable conditions for obtaining loans online: reasonable interest rates, larger terms, higher loan amounts. In addition, repeat borrowers receive discounts and bonuses.

Improve your credit history. At the same time, an online payday loan is a great way to improve your credit history. Paying off a loan on time can significantly improve your credit score. This means that next time you will have a higher chance to get a mortgage or car loan on beneficial terms.

Get online payday loans in the following cities of FL

We want to help consumers in Florida to find the best financial solutions. That is why we provide online speedy loans in the following cities:

Jacksonville Miami Tampa Orlando
St. Petersburg Hialeah Port St. Lucie Pembroke Pines
Tallahassee Fort Lauderdale Cape Coral Hollywood
Coral Springs Gainesville Miramar Miami Gardens
Clearwater Brandon Lakeland West Palm Beach
Palm Bay Pompano Beach Spring Hill Davie
Lehigh Acres Riverview Boca Raton Alachua
Sunrise Deltona Alafaya Bryant

My payday loan application was not approved

To prevent your application from being declined again, you should make sure that you provide correct personal information when applying for a loan and update your data in a timely manner if they have changed since the first application.

Therefore, when you make your next attempt, double-check all the information and provide only truthful data.

In addition, the lender’s decision may be affected by your credit history. A delayed loan or violation of the terms of the loan agreement reduces your chances of getting approved for a loan.

The main reasons why your application was rejected are poor credit history, no income, minor age or age over 70 years old, you made a mistake when filling out the form.

How to increase the chances of getting a loan

Payday loans are provided on convenient terms. At the same time, approval rates are very high and reach 95%. However, some borrowers receive negative responses from companies. To increase your chances of getting approved for a loan, follow a few simple guidelines:

!Be careful when filling out an application. Do not skip a single line and check the correctness of the personal data you provide. Any technical random errors can be interpreted by the program as deliberate deception. Accordingly, such an application will be automatically rejected;

!It is recommended to apply for a slightly larger amount of money. It often happens that the program approves the loan, but reduces the amount. Thus, the potential risk of the company is reduced. Therefore, it is necessary to overestimate the amount of required funds by about 15 – 30%. In the event of a decrease, you will receive just the amount of funds you need;

!Improve your credit history. Bad credit history is one of the most common loan rejection reasons because it is a kind of the borrower’s business card. The credit history record contains all data on previously received loans in all credit institutions. If you have a bad credit history, you can improve it by taking a small-dollar loan and repaing it exactly on time. The more loans you repaid without delay, the better your credit history;

!Take advantage of title loans. If you are ready to provide a microfinance organization with collateral, the probability that you will be approved for a loan is almost one hundred percent. So, a title loan would be a great option if you own a car. This lending option is very convenient because the car remains with the owner, which means that money can be received urgently without selling the car and retaining the right to use it. In addition, title loans come with a favorable interest rate.

If you follow these rules, it will be possible to get a guaranteed loan quickly.

Why choose Speedy Payday Loans

Unlike a bank, our company prioritizes the interests of customers. Therefore, we work promptly and offer the most comfortable conditions for applicants. By using our referral service, you make the right choice because cooperation with us has many advantages:

  • unlike a bank, we process and approve loans within 10 minutes;
  • we work without additional commissions or hidden fees;
  • an application can be sent both from a personal computer and from a smartphone, which speeds up the process of processing a transaction;
  • our clients can repay loans ahead of schedule at any time they wish;
  • requests are processed around the clock, and the time of application does not matter;
  • applicants do not need to confirm solvency and search for property security;
  • our clients do not have to report on what the borrowed funds were spent on;
  • to apply for a loan through our service, you do not need to have special PC skills;
  • thanks to the user-friendly interface provided by the site developers, using the online loan application form is very simple and comfortable.

Use our service, submit an application online and you’ll be approved in just a few minutes.

Florida Payday Loan Questions

Q: How many payday loans can I have?

A: You can only have one 1 payday loan in Florida. It must be repaid in full before you are eligible to receive another payday loan.

Q: How much can I borrow with a payday loan in Florida?

A: Typically, you are able to borrow from $100 – $500. If accepted, the amount you may borrow will depend upon your wages and standard underwriting criteria.

Q: If accepted, when will I receive my funds?

A: If approved for a loan, you can have the money in your bank account as soon as the same day.

Q: Is there a maximum term on Florida payday loans?

A: Payday loans in Florida have a term of 7-31 days and usually do not exceed 31 days. Rollovers are not allowed in this state.