Payday Loans in Jacksonville, FL
When dealing with a stressful financial situation, it can be hard to know exactly where to turn for help. That’s where AdvanceSOS comes in. We offer payday loans in Jacksonville, FL, that provide a quick infusion of emergency cash.
Payday loans in Florida are small-dollar, short-term cash advance solutions from $100 to $1,000. The application process is fast and easy as it doesn’t require any collateral or hard credit checks. Even better, we consider all credit scores and offer you the chance to apply online.
How To Apply For A Payday Loan Online In Jacksonville, FL?
Applying for payday loans online is both convenient and safe. To start, you must visit our website. Then, fill out our simple online application and submit it. The process won’t take you more than five minutes if you have all data at hand.
Our simplified loan application process enables you to fill out and sign all documents digitally. Expect to get an instant decision from reliable direct lenders within a few minutes. If you qualify, our lenders guarantee an instant decision and fast cash transfer.
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.
- 100 dollar loan
- 200 dollar loan
- 300 dollar loan
- 500 dollar loan
- 1000 dollar loan
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.
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.
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.
ATM Locations in Jacksonville, FL
|Bitcoin Depot ATM||4101 Southside Blvd, Jacksonville, FL 32216|
|ATM||818 Beach Blvd, Jacksonville Beach, FL 32250|
|ATM||11264 Beach Blvd, Jacksonville, FL 32246|
|BB’T – ATM||6319 Roosevelt Blvd, Jacksonville, FL 32244|
|Presto ATM at Publix||5858 Atlantic Blvd, Jacksonville, FL 32207|
|ATM (Fifth Third Bank)||9245 Atlantic Blvd, Jacksonville, FL 32225|
|Presto ATM at Publix||2033 Riverside Ave, Jacksonville, FL 32204|
|PNC Bank ATM||4866 Gate Pkwy, Jacksonville, FL 32246|
|ATM USA||715 Atlantic Blvd, Atlantic Beach, FL 32233|
|ATM Credit Express||623 N Main St, Jacksonville, FL 32202|
|Allpoint||2405 Mayport Rd, Atlantic Beach, FL 32233|
|PNC Bank ATM||11812 Beach Blvd, Jacksonville, FL 32224|
|ATM (Citibank)||5210 Norwood Ave|
|Fifth Third Bank ATM||3733 University Blvd W, Jacksonville, FL 32217|
|Presto ATM at Publix||7117 Merrill Rd, Jacksonville, FL 32277|
|ATM (TD Bank)||6050 St Augustine Rd, Jacksonville, FL 32217|
|Bank of America ATM (Drive-thru)||860 Marsh Landing Pkwy, Jacksonville Beach, FL 32250|
|Bank of America ATM||50 N Laura St, Jacksonville, FL 32202|
|Fifth Third Bank ATM||Jacksonville, FL 32208|
|Hancock Bank ATM||8195 Point Meadows Way, Jacksonville, FL 32256|
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.