Payday Loans in Gainesville, FL
Are you currently in a bit of a financial pickle? If this is your case, Payday loans Gainesville FL might be the way out for you. AdvanceSOS provides these rapid cash advances for all eligible Gainesville citizens.
Payday loans Gainesville FL are high-interest cash advances that go up to $500. All you need is to fill a short application, and you can get your payday loan the same day. These short-term loans can come in very handy when covering unexpected bills, such as medical expenses or car repairs. Below we offer details about our application process, fees, and more.
How To Apply for a Payday Loan Online in Gainesville, FL?
Applying for payday loans with AdvanceSOS is an effortless and completely secure process.
- Start by heading over to our website and click the ‘Apply’ button. Here, you need to complete our short loan application and send it in for consideration. So, make sure you have your SSN and banking details at hand while you’re completing the form.
- Once you send in your application, we should get back to you within minutes, provided you meet all the requirements.
- We’ll provide you with several loans that apply to your situation. It’s up to you to choose the best options for your needs.
- Then, all you’ll need to do is e-sign your loan agreement.
- After you finish this process, the funds should show up in your balance the same or the next business day.
What Will You Need?
When you’re completing your application for payday loans Gainesville FL, there are several documents you need to provide:
- A valid, government-issued ID that proves you’re of age and a resident of Gainsville.
- Proof of monthly income of around $1,000 (a pay stub or a letter from your employer).
- Social Security Number.
- Contact information (phone number and e-mail address).
- Recent bank statement from an active and not overdrawn checking account.
How Much Can You Borrow?
Residents of the 352 zip code get a cap on the amount of instant cash they can get with a payday loan. Depending on your eligibility, you can apply for a small loan from the following range:
- 100 dollar loan
- 200 dollar loan
- 300 dollar loan
- 500 dollar loan
- 1000 dollar loan
The approved amount is also highly dependent on your ability to pay on time. Hence, if you meet all our criteria, you’ll have no problem getting the loan! Please note that payday loans in Florida go up to $500, while personal loans go up to $1,000.
When Will You Receive Your Funds?
Reputable lenders like us provide quick cash within 24 hours. You won’t have to stress over your application for long since we notify consumers as soon as possible. As long as we approve your request, your funds should show up in mere hours.
We have to mention that the deposit might get put off until the next business day in some cases. This is because getting instant cash depends on the time you applied and got approved for the loan. For instance, if you applied in the afternoon or on non-working days, you might endure some delays.
APR and Fees
Residents of Gainesville will need to pay up to 10% of the loan. Moreover, the verification fee is no more than $5. So, if you borrow $200, the maximum cost you’ll need to cover is $25.
The average APR in Florida is 304%. Still, it can vary depending on the size and the term of the loan. The lower the loan amount, the higher the interest rate is and vice versa.
Regulations Surrounding Payday Loans in Gainesville FL
The United States government actively enforces strict lending regulations to protect consumers from scams. All payday lenders in the state of Florida must comply with them to the fullest extent.
For instance, the law prohibits lending sums that exceed $500 for single-payment payday loans. The repayment period ranges between one week and one month. Moreover, customers can only take one payday loan at a time. You must repay the loan in full and wait 24 hours before sending in another loan application. For installment loans, however, the lending limit is set at $1,000.
AdvanceSOS operates completely under these laws. We provide applicants with stellar service and make sure to adjust our loans to match their needs.
If advance payday loans aren’t your thing, don’t stress. Residents of Gainesville have access to several other credit options. Check out these alternatives to payday loans online we offer to our customers.
Bad Credit Loans
Regardless of their credit history, Gainesville customers can still qualify for payday loans in FL. Bad credit lenders target consumers that have credit scores under 640. To get this cash advance, you’ll need to present proof that you can repay the loan. These loans come with shorter terms, as well as higher interest rates.
A title loan is a great way to get emergency money. These are short-term loans that get secured with collateral to your car. So, if you back the loan with your vehicle, Gainesville lenders from our network take on less risk with approving your loan.
Applicants get to keep and use their vehicles while they’re paying back the title loan. The lender, however, has ownership over it during the repayment period. Once the loan is paid off, the customer gets their car back completely.
Emergency Car Repair Loans
If you’re dealing with car trouble, getting an auto repair loan is a lifesaver. These emergency loans quickly cover all costs, such as accident damage, fines, or spare parts.
We offer secured and unsecured loans to Gainesville applicants. Meaning we’ll need to run a credit check. If you don’t have a problem using your car as collateral, go for secured financing.
No Credit Check Loans
If you aren’t a fan of credit checks, we also offer advance payday loans without credit checks. Now, this might be a bit of a challenge, and you’ll have to deal with higher fees than usual. Approving a loan without performing a credit check is very risky for the lender.
Alternatively, Gainesville, Florida customers might consider getting our soft credit check advances. This way, both parties get some protection. Not to mention, the loan itself will be cheaper, and it won’t lower your credit history.
Payday Loans for Unemployed
Have you recently been laid off? Or maybe you’re just in-between jobs right now? If that’s the case, you might find refuge with our loans for unemployed Gainesville residents.
If you receive pension, retirement, or government benefits, you might qualify for our small loans. Applicants need to prove the revenue source and have a good credit score to be eligible.
Legit Payday Loans
While cash advance and payday loans in Gainesville are legal, the $500 loan might not be enough. Still, these quick cash loans are accessible to almost all credit scores, and you can use the money however you want. Once you’re approved, the funds should arrive to your balance within a day.
ATM Locations in Gainesville, FL
|Florida Credit Union ATM||1122 NE 16th Ave, Gainesville, FL 32601|
|Cardtronics ATM||3970 SW Archer Rd, Gainesville, FL 32608|
|ATM||201 W University Ave, Gainesville, FL 32601|
|Cardtronics ATM||1615 NW 13th St, Gainesville, FL 32609|
|Cardtronics ATM||300 SW 16th Ave, Gainesville, FL 32601|
|Wells Fargo ATM||506 NW 13th St, Gainesville, FL 32601|
|Wells Fargo ATM||3001 NW 13th St, Gainesville, FL 32609|
|PNC Bank ATM||4340 W Newberry Rd, Gainesville, FL 32607|
|Cardtronics ATM||1714 SW 34th St, Gainesville, FL 32607|
|Cardtronics||3455 SW Archer Rd, Gainesville, FL 32608|
|PNC Bank ATM||1807 NW 13th St, Gainesville, FL 32609|
|Cardtronics ATM||7520 W Newberry Rd, Gainesville, FL 32606|
|Cardtronics ATM||1170 E University Ave, Gainesville, FL 32641|
|Cardtronics ATM (CVS STORE)||1621 SW 13th St|
|SunTrust ATM||1600 SW Archer Rd, Gainesville, FL 32608|
|Cardtronics ATM||3909 NW 13th St, Gainesville, FL 32609|
|Presto ATM at Publix||1200 NW 76th Blvd, Gainesville, FL 32606|
|Wells Fargo ATM||596 Broward Dr, Gainesville, FL 32603|
|Bank of America ATM (Drive-thru)||2815 NW 13th St STE 100, Gainesville, FL 32609|
|ATM (Sunoco)||4207 NW 13th St|
|Presto ATM at Publix||3100 SW 35th Blvd, Gainesville, FL 32608|
|Presto ATM at Publix||1302 N Main St, Gainesville, FL 32601|
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.