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

Payday loans in Miami FL

Fast Payday Loan Lenders near Miami, 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 Miami, FL.

Quick Online Payday Loans in Miami, FL, USA Faxless

Payday Loans Companies in Miami, FL

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

Company Address ZIP code Phone Number Ranting Reviews
Fast Payday Loans, Inc. 5675 W Flagler St 33134 (305) 526-9100 5 488
Fast Payday Loans, Inc. 1698 SW 8th St 33135 (305) 554-5260 5 352
Advance America 2964 SW 8th St 33135 (305) 564-8190 4.9 75
ACE Cash Express 700 SW 17th Ave 33135 (305) 564-4084 4.8 62

– companies ratings and reviews are based on their Google Business Profile. Updated March, 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?

Customers should be aware of the required criteria to speed up the approval process for payday loans in Miami, FL, online. Make sure that you provide the requirements listed below to expedite the application process:

  • Have a valid ID showing you’re over 18 and a US citizen or permanent resident
  • A verifiable, steady income of at least $1,000 a month
  • An active checking account for the deposit
  • A valid email address and phone number

Our lender network’s approval rate is relatively high, provided you submit the necessary documentation and meet the minimum requirements. If they need more information, they will contact you to seek additional details.

How Much Can You Borrow?

The maximum amount of cash advance you can get in area code 786 caps at $500 for single online loans. Most of our eligible clients apply for the following amounts:

The amount we approve largely depends on the requirements you fulfill. If you’re eligible under all criteria, the chances you get funded are huge.

When Will You Receive Your Funds?

The best payday lenders can approve instant cash applications within minutes. Once you receive a loan offer and sign the agreement, you should see the funds in your account within hours. The typical timeframe to receive the loan via the internet is 24 hours—meaning the deposit may reach your account the next business day.

Quick cash can also get delayed depending on the time you filled out the application. If you request the funds later in the evening or during weekends or holidays, the transaction may get postponed.

APR And Fees

The APR on your loan will usually vary depending on the loan amount and the repayment period. In most cases, the rate you get is 304% of the borrowed funds.
Lawmakers have fixed the fees to protect consumers, with a cap at 10% of the amount. Plus, lenders charge a non-refundable fee of $5 per transaction. For instance, if you borrow $500, you must return $555.

Regulations Surrounding Payday Loans in Miami, FL

Advance payday loans in Miami can reach $500 per transfer, while installment loans cap at $1,000. Loan terms range from a week to 31 days for single loans and 60 to 90 days for installment products.
Borrowers can have only one loan at a given time, and rollovers are off-limits. There’s also a 24-hour cooling-off period between payday loans in Florida. Last, any lender must offer a 60-day grace period without additional charges to clients who can’t repay the loan in due time.

Loan Alternatives

If you’re strapped for cash, you may have more options than you think. Learn about all your alternatives before applying for payday loans.

Bad Credit Loans

Does poor credit prevent you from taking loans offered by traditional funding institutions? In this case, your best shot is bad credit loan lenders like AdvanceSOS. With us, credit scores of 550 are not an obstacle to qualifying.
Since bad credit loans are unsecured and you’re a risky borrower, interest rates can get higher. Besides checking your credit score, you will have to submit proof of income to get payday loans online faster. We also consider your employment type and past borrowing practices.

Title Loans

Emergencies can’t wait, and if the issue is of a larger scale, a small loan may not be enough to settle it. If you have a clean title to your vehicle, a title loan can resolve your concerns quickly. Plus, you don’t need good credit to apply and get approved for up to $5,000. The agreed amount ranges from 25% to 50% of the car’s value.
Once you sign an agreement, your vehicle will serve as collateral until you settle your debt. Repayment terms stretch up to a month, and additional charges may apply, too.

Emergency Car Repair Loans

Auto repairs can cost you over the odds. So, if you need a quick money boost to get your car running again, we can help with flexible auto repair financing.
Urgent costs can include new tires, replacing parts, or fixing damage after an accident. Emergency car loans may also assist when your insurance policy doesn’t cover car damage or spare parts.

No Credit Check Loans

Getting approved for a loan with poor or no credit history is not easy. Try reaching out to lenders that grant short-term loans without credit checks. At AdvanceSOS, we know that traditional loans are hard to get—hence, we give fast cash without running hard credit checks.
We approve loans with only a soft check. We consider your income, employment type, and other factors. Note that APRs and fees may be higher in these instances.

Payday Loans for the Unemployed

Have you got the sack recently? Are you looking for a better-paid job? Whatever the reason for your unemployment, you’re welcome to apply for a payday loan with AdvanceSOS.
To ensure you’re eligible for our small loans, present a verifiable revenue source and proof of good credit. Those who receive benefits such as pension or retirement are at the right spot to apply.

Legit Payday Loans

When looking for legit lenders in Miami, look for low-interest rate loans without penalties. Weigh the pros and cons of each borrowing option before applying. Legit lenders display their rates openly and enjoy positive reviews by satisfied customers. Also, legitimate cash companies like us abide by all laws and regulations imposed by the state of Florida.

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