Get Quick and Easy Access to Local & Same Day 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
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 – info@advancesos.com
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.
Amanda is a senior financial copywriter at AdvanceSOS. Amanda has been writing about finance since 2015. She graduated with a Master’s in finance from the University of Oklahoma. As a result, she has a wealth of experience and knowledge to share with her readers.
