Get a Loan Fast!
How much do you need?
  • Your data is safe and secure
  • Zero up front fees or costs
  • Quick, secure and hassle-free online form
  • Paid directly to your bank account fast

Get Quick and Easy Access to Local & Same Day Payday Loans in Jacksonville, FL

Payday loans in Jacksonville FL

Fast Payday Loan Lenders near Jacksonville, FL

Borrow money for your urgent cash needs in Florida by visiting a lender’s office; or applying for an urgent loan online. But, if you need money fast from the best lender in your state, apply online. Check out the best features of applying for loans online here at AdvanceSOS. We also have for you a list of direct lenders near you in Jacksonville, FL.

Quick Online Payday Loans in Jacksonville, FL, USA Faxless

Payday Loans Companies in Jacksonville, FL

Addresses, phone numbers, and reviews of lenders stores working nearby you:

Company Address ZIP code Phone Number Ranting Reviews
Lending Bear 8011 Merrill Rd #16 32277 (904) 474-5844 5 300
Fast Payday Loans, Inc. 5235 Normandy Blvd B 32205 (904) 478-4286 4.9 253
Lending Bear 7935 Lem Turner Rd 32208 (904) 476-5576 4.9 230
Check `n Go 8650 Old Kings Rd S Ste 12 32217 (904) 444-5911 5 208
Advance America 5800 Beach Blvd Ste 116 & 117 32207 (904) 439-5937 4.9 138
Advance America 9550 Baymeadows Rd Ste. 6 32256 (904) 473-2898 4.8 117
Advance America 5230 Baymeadows Rd Ste. 5 32217 (904) 473-4234 5 117
Fast Payday Loans, Inc. 7628 103rd St UNIT 8 32210 (904) 477-2346 4.7 98
Advance America 9119 Merrill Rd STE 9 32225 (904) 474-8155 5 95
Check `n Go 1440 Dunn Ave #3 32218 (904) 475-1250 4.9 91
Check `n Go 1235 Arlington Rd N 32211 (904) 472-3221 5 88
Advance America Pablo Creek Plaza East, 13740 Beach Blvd UNIT 114 32224 (904) 499-0966 4.7 82
Advance America 5324 Blanding Blvd #7 32210 (904) 477-3373 4.9 74
Advance America 8595 Beach Blvd #350 32216 (904) 464-9731 5 68
Advance America 1124 Dunn Ave 32218 (904) 475-2228 4.8 58
CASH PROS 10230 Atlantic Blvd 32225 (904) 472-9115 4.4 49
Advance America 7001 Merrill Rd Ste. 33 32277 (904) 474-9598 4.7 32
Cash Advance 5100-5398 Batley Rd 32210 (904) 477-6018 3.8 8
Cash Advance 1725 Cassat Ave 32210 (904) 438-2868 5 1
Payday Solutions 4417 Beach Blvd 32207 (904) 439-0554 0 0

– companies ratings and reviews are based on their Google Business Profile. Updated June, 2023
– do you want to add, delete or modify your company details? Contact us –

Use Google Maps to Find Loan Places Near Your Location

Do you want to learn more? Check the video about payday loans in Florida by Nick Wilson experienced loan officer.

What Will You Need?

As in any state, lenders in Jacksonville impose specific criteria on borrowers. When requesting a loan through the web, lenders will typically expect you to fulfill the following requirements:

  • Be over 18.
  • Present personal information, such as name, address, current phone number, and e-mail address.
  • Submit your SSN.
  • Own an active checking account.
  • Show a revenue source, including the employer’s or company name.
  • Present proof that you’re a legal resident of Jacksonville, Florida.

The above documents are obligatory so that we can verify your eligibility. Sometimes, we may need extra information to secure the cash deposit.

How Much Can You Borrow?

Though loan amounts vary from lender to lender, the following are the most common ones. Often, payday loans Jacksonville FL cap at $500, while installment loans get approved up to $1,000.

The loan amount will depend on your ability to prove you can pay back on time. Meeting eligibility criteria further boosts your chances of approval.

When Will You Receive Your Funds?

Very fast! It is very likely to receive the cash the same day. The transaction frame is usually within 24 hours without any collateral or credit checks. Instant cash loans are swift to process, approve, and deliver.

When the loan agreement gets signed, expect the money on your bank account the same or the next business day. Quick cash depends on the time and day of the week when you apply. Weekdays before 11 am provide you with better chances to get a same-day payday loan.

APR And Fees

Borrowers in Florida can take up to $500 payday loans for 7-31 days. When it comes to installment loans, the amount may reach $1,000. Such amounts are all set and regulated under Florida law.

The average APR on payday loans stands at 304%. The lower the loan amount, the higher the ARP and vice versa. Up to 10% can get charged additionally of every $100 borrowed. The extra verification fees cannot exceed $5.

The maximum finance rate and fees must not exceed 10% of the approved amount. Extra expenses may include late payments, early settlement, or a processing fee. Note that all these raise the overall interest rate, so ensure you read the fine print.

Regulations Surrounding Payday Loans In Jacksonville FL

Florida regulations offer protection services from scam lenders. The law imposes strict limitations on lenders who approve payday loans in Jacksonville, FL. Borrowers in the 904 code area of Florida can apply for and receive payday loans up to $500 (without fees).

The law allows only one loan at any given time, with a waiting time of 24 hours between each loan. The shortest debt repayment period is seven days, whereas the longest is 31 days. Any debt in the form of advance payday loans must get settled on time without extensions or rollovers. Grace periods may extend to 60 days without surcharges.

Loan Alternatives:

Advance payday loans aim to resolve the urgent needs of distressed borrowers. Yet, they may not always fit your budget. Below are a few credit alternatives you can apply for through us.

Bad Credit Loans

Most Jacksonville residents have a FICO score below 640, so bad credit loans are a viable option. When you need instant cash, apply via our website as we consider any credit score. Ensure you’re aware of the interest rates and fees you’re paying. These can reach obscene amounts if your credit is below 590.

Features of bad credit loans in Jacksonville depend on whether we consider you a risky borrower. Note that we factor credit score, income, past lending practices, and education.

Title Loans

Jacksonville residents may qualify for a title loan that caps at $25,000. Such a loan can resolve your need for quick cash within hours. Make sure you bring your car and the vehicle’s title to get it appraised. Also, provide your ID, income proof, and a spare key to the car that serves as collateral. Once the process is over and you receive approval, you can drive off as usual.

Emergency Car Repair Loans

Auto repair loans serve to cover unexpected car expenses. Emergent repairs can include changing spare parts or fixing accident damage. If you opt for an unsecured auto loan, we will probably run a credit check. With secured financing, the car’s title can serve as collateral.

No Credit Check Loans

Most Jacksonville lenders provide short-term loans with no hard inquiries to the major credit bureaus. If you want to avoid credit checks, apply with AdvanceSOS in Jacksonville, FL. We are available for any borrower regardless of the credit score and history.

With a no-credit-check loan, we examine various data to determine your eligibility. These may entail your credit score, income, employment, and bank account standing. To check credit scores, we usually run a “soft” credit check.

Payday Loans For Unemployed

We accept revenue other than a full-time job when approving small loans. We encourage anyone who has a reliable and regular income to apply. Possible income sources include Social Security, retirement, or pension. To qualify, our customers must prove the revenue source and have good credit.

Products for the unemployed may be personal, installment, or other short-term loans. These may save the day if having no regular employment prevents you from taking a traditional bank loan. Always repay the money on time to avoid getting into debt cycles.

Legit Payday Loans

Payday loans online are legal in Florida, but the maximum amount you can take out is $500. One benefit of payday loans is that you don’t need to bother family and friends. Second, funds are accessible to almost any credit score. Once approved, you will receive the money immediately or within a day. Last, you can dedicate payday loans to address any urgent matter that calls for attention.

Useful links:

    Ask an expert