Payday Loans in Tampa, FL
A payday loan in Tampa can be a convenient way to get quick cash. Payday loans are short-term financing options for consumers in need of emergency funding. Most applicants rely on such loans in times of hardship or when facing unexpected expenses.
Payday loans should get settled once borrowers receive their next paycheck. On the upside, these loans can be one of the fastest, most effortless financial transactions. You apply, get the funds shortly after, and then pay it back within a month. Conversely, APRs can be unusually high and fees vague.
How To Apply For A Payday Loan Online In Tampa, FL?
For those who prefer applying online, the process is 100% safe and reliable. Just navigate to our website and locate the “”Apply”” button. Fill out the simple loan application and submit it. Ensure you have all the required data at hand to complete the request within minutes.
We will review your application and find the ideal loan solutions for you. You may get contacted by reliable direct lenders within a few minutes. Once you agree on the terms and conditions, expect to get a fast cash deposit.
What Will You Need?
Getting a payday loan in Tampa is not a complicated nor time-consuming process. Yet, focus on low-interest-rate offers and lenders willing to explain the costs and fees. For most Tampa payday lenders, our loan requirements include:
- Valid government-issued ID showing that you’re over 18.
- Working telephone number and e-mail address.
- Be a legal resident of Tampa, Florida.
- Checking account in good standing.
- Proof of income (at least $1,000 a month), including a schedule of your pay dates.
Ask if there are any additional requirements, and ensure you document everything you include on your application.
How Much Can You Borrow?
Tampa payday loans vary from $50 to $1,000, depending on your financial standing. The following amounts are what our customers usually seek when applying for payday loans:
- 100 dollar loan
- 200 dollar loan
- 300 dollar loan
- 500 dollar loan
- 1000 dollar loan
The approved sum will depend on your ability to pay back on time. Meeting all eligibility criteria further improves your chances of fast approval.
When Will You Receive Your Funds?
You’ll likely get the money the same day. The transaction should go through within 24 hours without any credit checks. Our instant cash loans are swift to process, approve and get.
Once you sign the loan agreement, most transfers will happen within the same or the next business day. Quick cash mostly depends on the time and day of the week you requested it. Bear in mind that if you apply late in the evening or during the weekend, there may be small delays.
APR And Fees
The state of Florida imposes strict laws and limitations on payday products. The state only allows payday loans up to $500, excluding fees. The amount may reach $1,000 for an installment loan.
Finance charges cap at 10%, while the APR may range from 286% to 391% for a 14-day term. On top of that, lenders can also charge a 5% verification fee. Rollovers and extensions are illegal, too. Remember to read the fine print to be sure of the amount you must repay.
Regulations Surrounding Payday Loans In Tampa FL
Payday loans Tampa FL are subject to strict regulations. The maximum you can borrow is $500, and the term stretches from seven to 31 days. You can have one outstanding payday loan at a time, and you’ll need a cooling-off period of 24 hours between getting approved again.
The state takes serious steps to ensure the protection of its citizens. If a borrower cannot pay back, lenders should grant a grace period of up to 60 days. Here, you’ll need to apply for a credit counseling service.
Our advance payday loans in code area 813 are available for any borrower. Yet, these financial solutions may not fit every wallet. Here are some additional options you should check out.
Bad Credit Loans
Tampa residents with bad credit can still get a payday loan. Those who have credit problems should seek our bad credit loans for customers with a FICO score below 640. Note that we assist applicants that cannot borrow money elsewhere.
When you need instant cash, apply via our website since we consider borrowers with almost any financial background. However, explore the interest rates and fees you’re paying. These can reach unusually high amounts if your credit is below 590.
Title loans target borrowers who plan to use their vehicles as collateral. The pledge can be a car, a truck, or even a motorcycle. Title loans are subject to similar regulations as payday loans online. The only difference is the obligation to sign the vehicle title over to the lender. So, if you don’t repay on time, the lender can get it seized.
The lender will examine the vehicle and estimate its value before suggesting a loan amount. The requirements may differ from those of a payday loan, but be ready to present the following:
- Government-issued ID.
- Proof of residency in Tampa, Florida.
- Employer reference and income source.
- Photos of the vehicle used as collateral.
- Lien-free car title.
Emergency Car Repair Loans
Apply for an auto repair loan when you’re pressed for cash to cover sudden car expenses. Such unexpected repairs can refer to accident damage or spare parts. We offer secured and unsecured car repair loans. Most lenders from our network will run a credit check for the unsecured ones. If you opt for secured funds, the car’s title can serve as collateral.
No Credit Check Loans
Most of our Tampa lenders provide short-term loans that avoid hard inquiries. If you fear credit checks, apply for AdvanceSOS in FL. Our products are available to any borrower regardless of their credit score and history. Yet, we must consider your income to make sure you can settle your debt.
Apart from your income, we examine other data to determine your eligibility. Your credit score, employment history, and bank account standing may get factored in. To this end, we usually run a “soft” credit check.
Payday Loans For Unemployed
Taking a traditional bank loan may be a daunting job if you have no regular employment. Luckily, our lending partners accept revenue other than from a full-time job when approving small loans. They encourage anyone who has a reliable and steady income to apply.
Possible income sources include government benefits, retirement, or pension. Customers must present a verifiable revenue source and have good credit to get considered.
Legit Payday Loans
Payday loans are a legal form of cash advance in Tampa, Florida. However, there are strict rules and regulations that lenders and borrowers must follow.
A quick money fix is a safe and convenient method that may enhance your buying power to cover emergency costs. Whether you must cover holiday expenses, unexpected bills, or repair works, our payday loans Tampa FL can assist.
ATM Locations in Tampa, FL
|ATM||5320 N Florida Ave, Tampa, FL 33603|
|Cardtronics ATM||3102 W Gandy Blvd, Tampa, FL 33611|
|Bank of America ATM (Drive-thru)||1933 E Hillsborough Ave, Tampa, FL 33610|
|Bank of America ATM||1810 E 7th Ave East, Tampa, FL 33605|
|PNC Bank ATM||2502 N 50th St, Tampa, FL 33619|
|Valley Bank ATM||2028 E 7th Ave, Tampa, FL 33605|
|Citibank ATM||702 S 50th St, Tampa, FL 33619|
|Citibank ATM||6845 N 22nd St, Tampa, FL 33610|
|Bank of America ATM (Drive-thru)||5002 E 10th Ave, Tampa, FL 33619|
|Tampa Bitcoin ATM – Bitstop||3745 N 50th St, Tampa, FL 33619|
|ATM (Wells Fargo Bank)||1770 N 50th St|
|Bitcoin Depot ATM||3401 E Hillsborough Ave, Tampa, FL 33610|
|Bitcoin Depot ATM||2309 N 22nd St, Tampa, FL 33605|
|Prestige Bitcoin ATM||1909 E Adamo Dr, Tampa, FL 33605|
|TheCoinBros Bitcoin ATM||2605 N 50th St, Tampa, FL 33619|
|Cryptobase Bitcoin ATM||2602 N 50th St, Tampa, FL 33619|
|Bitcoin of America – Bitcoin ATM||3320 E Hillsborough Ave, Tampa, FL 33610|
|2k Express||6202 N 40th St #100, Tampa, FL 33610|
|ATM||2101 E 13th Ave, Tampa, FL 33605|
|ATM (Fifth Third Bank)||2001 Adamo Dr|
|Cardtronics ATM||5100 E Adamo Dr, Tampa, FL 33619|
|Cardtronics||702 S 50th St, Tampa, FL 33619|
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.