Short-term loans can be useful if you urgently need up to $500 but have bad credit and no savings left. Consider fast payday loans in Florida from ASAP Finance, with no credit check and no minimum credit score requirements. You’re welcome to apply online or in our physical stores. The process takes only a few minutes, and you will get the money within 24 hours of approval.
Florida Rates & Teams
In Florida, payday loans are available for amounts of up to $500, with the repayment terms ranging from 7 to 31 days. The state caps the lender's fee at 10% for each $100 of the loan plus a $5 verification fee. The average annual percentage rate (APR) for payday loans in Florida is 304%.
For example, on a $500 loan for two weeks, a borrower may pay up to $55 in fees. Florida law does not allow extensions, but if the borrower fails to pay the loan in full on time, the lender must provide a 60-day grace period without additional fees. These restrictions help prevent borrowers from getting trapped in a cycle of debt.
Payday Loan Eligibility Criteria
US citizens or permanent residents over the age of 18 can apply for in-store or online payday loans in Florida from ASAP Finance. Here's what we ask for:
- ID;
- Social Security number;
- Proof of address;
- Mobile phone number and email;
- Proof of income;
- Bank account information.
How Do You Apply for a Payday Loan Online in Minutes?
ASAP Finance allows you to get online payday loans in Florida with no credit check in just three simple steps:
Fill out the application: It will only take a few minutes to provide your personal and financial information.
Receive a decision: Wait for ASAP Finance to process your application. No hard credit checks are performed, so you will receive an instant response. If approved, read the terms and sign the loan agreement.
Receive money: The funds will be transferred to your bank account within one business day. If you get approved before 10 AM on weekdays, the money can be deposited on the same day.
Products and Services in Florida at ASAP Finance
The following loan options are available at ASAP Finance:
Payday Loans
ASAP Finance offers payday loans in Florida for amounts of up to $500. These short-term loans are designed for emergencies and are typically repaid within 31 days. They allow you to cover various unexpected expenses without a focus on your credit score.
Installment Loans
ASAP Finance provides installment loans in Florida of up to $5,000. These loans offer flexible repayment terms from 2 to 24 months and can be covered in equal monthly installments. They are suitable for large expenses or debt consolidation.
ASAP Finance Stores in Florida Near You
ASAP Finance offers convenient loan options both online and in stores throughout Florida. Whether you are in Miami, Orlando, Tampa, Jacksonville, Tallahassee, St. Petersburg, Fort Lauderdale, Cape Coral, Sarasota, or West Palm Beach, you can apply online now and get instant funding until payday.
Alternatively, you can visit our Cape Coral and Sarasota stores and apply for a loan in person.
Benefits of ASAP Finance Quick Cash in Florida
If you need fast and reliable financial help today, ASAP Finance is here to help. We offer several advantages that help us stand out:
- Fast application and approval: Apply online and get approved in just 15 minutes. This ensures that you will get the money you need without delay.
- Secure transactions: Our platform uses 256-bit SSL encryption to protect your personal and financial information from unauthorized access.
- Transparent terms: You receive a loan agreement with all the terms spelled out, eliminating hidden fees or unexpected charges.
- Excellent reputation: ASAP Finance is known for its reliability and customer satisfaction. We have earned a solid reputation in Florida, as evidenced by positive reviews on the TrustPilot portal.
- Inclusive lending: Our payday loans are available to self-employed people, students, single mothers, and those with bad credit histories.
FAQ
01
When will my payday loan be approved and disbursed in Florida?
ASAP Finance processes the application within 15 minutes, so you will receive a decision instantly. The money then is credited to your bank account within 1 business day. If you apply in a store, you can get cash immediately after approval.
02
What happens if I can’t repay my payday loan?
If you can't pay your loan, the lender is required to give you 60 days without charging additional fees or increasing interest. After that, your credit score may suffer. However, Florida law prohibits lenders from filing criminal charges against a borrower for nonpayment, but they can initiate civil proceedings to collect the amount owed.
03
Will applying for a $500 payday loan impact my credit score?
Loans from ASAP Finance don't affect your credit score as long as you pay on time. We only perform a soft credit check, which is not shown on your credit report.
04
How can I get in touch with ASAP Finance in Florida?
You can contact ASAP Finance in Florida by calling (463) 227-0489 or visiting one of our physical stores. You can also fill out the feedback form through the website.
05
Am I eligible to renew my loan?
You cannot renew or 'roll over' a cash advance in Florida. You need to fully pay off the existing loan before you can take out another one.
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