Payday Loans in Fort Myers, FL
Have you reached a financial dead-end and have no idea where to turn to for extra cash? If you need a money boost to make it to your next payday, we may have the solution. A payday loan from AdvanceSOS can resolve your worries within several hours.
Payday loans Fort Myers FL come as short-term quick cash supply of up to $500. The application process is swift and convenient, and you can apply both online and in-store. Then, use the borrowed money to settle utilities, medical bills, or other unforeseen expenses. Just remember that quick cash comes with higher interest rates, so take it as a last-resort financing alternative.
How To Apply For A Payday Loan Online In Fort Myers, FL?
To accelerate the lending process, we offer a simplified online loan application. Follow the steps below:
- Browse the net for our webpage and once you’re there, hit the ‘Apply’ button. Filling in the application won’t take you more than five minutes.
- You’ll receive an instant decision on the outcome of your request.
- Sign the online agreement with all the terms and conditions and get the cash. Our direct lenders offer same-day deposits.
- Repay on the scheduled due date to avoid high fees and penalties.
What Will You Need?
Ensure you meet the following requirements to qualify for payday loans Fort Myers FL.
- Be of legal age,
- Present a verifiable, steady income source of at least $1,000,
- Own an active checking account,
- Be a US citizen or permanent resident,
- Present a valid e-mail address and phone number.
If we need more information, we may ask you to submit additional documents. Have paystubs or other income proof at hand.
How Much Can You Borrow?
Florida law defines the maximum amount of cash advance you can get in area code 239. You can qualify for a loan size within the following range:
- 100 dollar loan
- 200 dollar loan
- 300 dollar loan
- 500 dollar loan
- 1000 dollar loan
The final approved sum will depend on your eligibility. If you meet all application criteria, the chances you receive the funds are enormous.
When Will You Receive Your Funds?
Quite fast. Our top-notch Fort Myers lenders transfer instant cash the same day. If your application gets approved, you’ll get the money within hours.
Some of our lenders provide funding the next business day or take several days to deposit funds electronically. Overall, any quick cash depends on the time you applied and got approved. So, if you seek funds in the afternoon or during weekends or holidays, you may face small delays.
APR And Fees
The loan term in Fort Myers, Florida ranges from a week to 31 days and is due on your next payday. Fees are flat and consist of a non-refundable fee of $5 per transaction, plus $10 per $100 borrowed. For example, if you borrow $400, your finance charge will be $45.
The APR varies on the loan amount and the repayment period. For instance, if you repay in 18 days, your APR will be 304%, whereas for 28 days, expect a rate of 195%.
Regulations Surrounding Payday Loans In Fort Myers, FL
FLOFR regulates all advance payday loans in Fort Myers. Borrowers can get up to $500 per loan and may have only one loan at a time. Also, loans cannot get rolled over into new loans. Any borrower must pay a previous loan in full and wait 24 hours before taking a new loan.
Still, if you cannot repay the loan on time, the lender must offer a 60-day grace period without additional charges. Florida clients get protection from being arrested for defaulting on payday loans.
If you are strapped for cash, you may have more alternatives than you realize. Ensure you know all your financing options we offer before applying for payday loans.
Bad Credit Loans
If you have a poor credit score and can’t wait to improve it, try our bad credit loan lenders. AdvanceSOS offers loans for any credit score in Fort Myers, FL. Hence, a credit score of 550 or under might not be an obstacle for qualifying. Apply for a pre-approval to determine if you qualify, and you won’t undergo a hard credit check.
Personal bad credit loans are unsecured, so expect higher interest rates. Lenders have no collateral, so a credit score check is expected. They also need proof of income to help you get payday loans online faster.
Do you need urgent money, and you happen to also own a vehicle? Then, our title loans can be a quick and reliable solution to your concerns. Applying and qualifying for a title loan is straightforward, and you don’t need good credit.
Most lenders appraise the vehicle in person before signing an agreement. Title loans are secured since you use your car as collateral. Meaning, you hand over the auto title for the loan’s length and return it upon repayment. The borrowed amount depends on the value of the vehicle securing the loan.
Emergency Car Repair Loans
Auto repairs can be expensive for any hardworking Fort Myers resident. So, if you need fast money to get your car running again, we are here to help with flexible auto repair financing.
With us, you can use emergency funding when your car breaks down or when facing unforeseen expenses. Urgent costs can include new tires, repairs to pass emissions testing, or fixing damage after an accident. Often, your insurance policy might not cover any car damage or replacing parts. Here, emergency car loans may be your only way out.
No Credit Check Loans
We are devoted to serving Fort Myers’s diverse culture with short-term loans that require no credit check. At AdvanceSOS, we understand that traditional loans are hard to get, sometimes taking longer than you are willing to wait. That’s why we grant fast cash without running hard credit checks to Fort Myers, Florida consumers.
Being approved with only a soft check will depend on the risk you bring to the lender. Lenders will consider your income, employment type, and other factors.
Payday Loans For Unemployed
Have you been furloughed or laid-off recently? Or perhaps you’re looking for a better-paid job at the moment? Whatever the reason for your unemployment, you’re still eligible to apply for a payday loan. AdvanceSOS has solutions for most Fort Myers residents,, including unemployed ones.
To ensure you qualify for our small loans, you need to present a verifiable revenue source. It’s also advisable to have good credit proof. So, if you receive government benefits, pension, or retirement, you’re at the right spot to apply.
Legit Payday Loans
When looking for legit lenders in Fort Myers, focus on low-interest rate loans with minimum penalties. Remember to borrow amounts that you can afford to repay.
Legit lenders like AdvanceSOS display their rates and have positive reviews by satisfied customers. Legitimate cash companies also abide by all regulations the state of Florida and Fort Myers impose.
ATM Locations in Fort Myers, FL
|Cardtronics ATM||2403 Cleveland Ave, Fort Myers, FL 33901|
|Cardtronics ATM||2657 Colonial Blvd, Fort Myers, FL 33907|
|Presto ATM at Publix||4600 Summerlin Rd, Fort Myers, FL 33919|
|Presto ATM at Publix||7950 Dani Dr #200, Fort Myers, FL 33966|
|Presto ATM at Publix||2160 McGregor Blvd, Fort Myers, FL 33901|
|PNC Bank ATM||4712 Colonial Blvd, Fort Myers, FL 33912|
|PNC Bank ATM||2370 Colonial Blvd, Fort Myers, FL 33907|
|BB’T – ATM||4959 S Cleveland Ave, Fort Myers, FL 33907|
|24 Hour ATM Suncoast Federal Credit Union||1533 Matthew Dr, Fort Myers, FL 33907|
|Citibank ATM||1350 Ortiz Ave, Fort Myers, FL 33905|
|Wells Fargo ATM||13541 Goldenwood Dr, Fort Myers, FL 33913|
|ATM (Fifth Third Bank)||13581 Goldenwood Dr|
|Bank of America ATM (Drive-thru)||3209 Cleveland Ave, Fort Myers, FL 33901|
|Presto ATM at Publix||6700 Bayshore Rd, North Fort Myers, FL 33917|
|SunTrust Bank ATM||4415 Metro Pkwy, Fort Myers, FL 33916|
|PNC Bank ATM||11031 Colonial Blvd, Fort Myers, FL 33913|
|Bank of America ATM (Drive-thru)||2850 Winkler Ave, Fort Myers, FL 33916|
|Bank of America ATM (Drive-thru)||8081 Dani Dr, Fort Myers, FL 33912|
|ATM (Regions Bank)||13520 N Cleveland Ave|
|Valley Bank ATM||5220 Summerlin Commons Blvd, Fort Myers, FL 33907|
|ATM (Suntrust Bank)||ATM ATM (Suntrust Bank) 2000 Main St ,0|
Amanda is a senior writer at AdvanceSOS. She has more than six years of journalism experience, mostly in the finance sector. She graduated with a Bachelor’s Degree from Drew University.