Payday Loans in Jacksonville, FL (Near You) Online or in Store

Loans for any reason ($100 - $35,000):

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In need of payday loans in Jacksonville, Florida but aren't sure where to start?

We can help! Our directory of payday lenders will help you find reputable and licensed loan providers, many of who allow you to easily apply online.

If you are a legal resident of Jacksonville, FL and in employment, then you can get started right away by using our loan connection tool, that could see you connect with a suitable lender in just minutes!

How to get a payday loan in Jacksonville, Florida?

If you are going to get a payday loan it is a good idea to apply with a lender in Jacksonville where you are protected by Florida state law as per Rule 69V-560.901-912. This means lenders have to be licensed under Fl. Stat. Ann. § 560.402 et seq. which we check before adding a new listing to the directory.

There are many reasons why you might want a payday loan though you do not have to disclose as such when applying with a lender.

Usually, they are intended for those who need some extra cash to bridge the gap until they next get paid. Perhaps you miscalculated your monthly budget, were billed for something unexpectedly, or need to fund repairs for your home or car.

Where payday loans really stand out are with their easy eligibility requirements. Even if you have been rejected by the banks for a loan or credit card due to bad credit you still stand a good chance of being approved by a lender for a payday loan in Jacksonville.

How much can I borrow in Jacksonville, FL?

To make sure you can afford to repay in full as intended, Jacksonville payday loans cannot legally exceed $500, which should be enough to cover any temporary financial issues until your next paycheck arrives. Installment loans or personal loans are a better option if you need more money over a longer period of time.

Payday loans can be taken out from between 7 and 31 days and must be repaid in full, in one lump sum, along with an added fee.

How much do payday loans cost in Jacksonville, FL?

Interest rates associated with payday loans are commonly called an annual percentage rate (APR). This is the cost of taking out the loan and must be paid on top of the principal (the amount borrowed).

The major difference between this and a regular loan you repay in installments is that it's expressed as a single fee because everything is paid in one lump sum rather than regular installments.

Payday loans issued in Jacksonville are regulated by Florida state law, which means lenders cannot charge interest higher than 304% or 10% for every $100 borrowed.

On top of this, lenders are permitted to charge a single $5 verification fee to carry out a credit check or otherwise verify your identity during the application process.

So, if you are in Jacksonville and get a payday loan for $400, you will not pat more than $45 in interest and fees unless you miss the repayment date.

In Jacksonville (FL),  you can only have one payday loan at a time and lenders are not permitted to roll over one loan into another. There is also a 24-hour cooling-off period between successfully repaid payday loans.

In Florida, lenders are not permitted to ‘extend’, ‘renew’, or ‘rollover’ loans.

Loans for any reason ($100 - $35,000):

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Can I get a payday loan online in Jacksonville, FL?

Yes, payday lending in Jacksonville, Florida is both legal at the storefront and online, the latter becoming an increasingly popular option due to its simplicity.

Applying on the web means no travel, waiting in line, or paperwork. Even better, if you apply during the working week most lenders will aim to get you your money the very next business day.

Note: As per Florida state law, online lenders must provide you with a digital copy of the terms and conditions before you can sign for a loan. It is also wise to check whether they make any misleading promises like instant approval or no credit check.

If you use our loan connection tool, we will attempt to match you with a licensed lender in Jacksonville in a matter of minutes. Just choose an amount up to $500 and we'll do all the hard work for you, saving you from having to apply one-by-one.

Online payday loans are available for all Jacksonville, FL zip codes: 32202, 32204, 32205, 32206, 32207, 32208, 32209, 32210, 32211, 32212, 32216, 32217, 32218, 32219, 32220, 32221, 32222, 32223, 32224, 32225, 32226, 32227, 32228, 32234, 32244, 32246, 32254, 32256, 32257, 32258, 32277, 32229, 32238, 32255, 32215, 32231, 32214, 32245, 32260, 32241, 32239, 32247, 32276, 32232, 32201, 32259, 32236, 32237, 32203, 32235, 32267, 32099, 32230.

Jacksonville (Florida) payday loan requirements

There are very few requirements to meet to be eligible for a payday loan in Jacksonville.

You just have to be a legal resident of Jacksonville (FL) who is at least 18 years old or older, and earning at least $1,000 per month to ensure you can make the repayment.

This allows lenders to consider your application even if you have bad credit and have been rejected elsewhere.

Borrowers also need at least a basic checking account so lenders can quickly deposit the cash and automatically take the repayment and finance charge on the agreed date.

Of course, failing to repay could result in bank charges, added fees, and interest from the lender. However, Florida law prevents legal action against lenders so you cannot be charged with anything.

You will, however, get a black mark on your credit report and face collection proceedings from the lender or their representatives in order to recover what is owed.

This it is wise to only take out payday loans if you can genuinely repay when you next get your wages. The high interest rate makes them a bad idea for refinancing existing forms of debt.

Get Started Now!

If you need to borrow a small amount of money to tide you over until payday and don't have access to savings, credit cards, or loans from the bank, a payday loan might be the ideal solution in Jacksonville, Fl.

Browse our database today to find a lender that suits you or use our loan request tool and we'll streamline the whole process for you.

Payday loan companies in Jacksonville, FL:

946 Cassat Ave, Jacksonville, 32205

(904) 786-7226

7200 Normandy Blvd, Jacksonville, 32205

(904) 378-1561

5751 N Main St, Jacksonville, 32208

(904) 355-4031

2261 Edgewood Ave W, Jacksonville, 32209

(904) 764-4394

5124 Blanding Blvd, Jacksonville, 32210

(904) 771-4461

5631 University Blvd W, Jacksonville, 32216

(904) 733-9280

1036-50 Dunn Ave, Jacksonville, 32218

(904) 751-6999

10152 Atlantic Blvd, Jacksonville, 32225

(904) 725-7733

3543 Kingston St, Jacksonville, 32254

(904) 781-5399

9741 San Jose Blvd, Jacksonville, 32257

(904) 880-5745

6030 Merrill Rd, Jacksonville, 32277

(904) 744-9128

5324 Blanding Blvd Ste 7, Jacksonville, 32210

(904) 777-3373

1124 Dunn Ave Publix Shopping Cente, Jacksonville, 32218

(904) 757-2228

10057 San Jose Blvd, Jacksonville, 32257

(904) 292-5293

7451 103rd St Ste 17, Jacksonville, 32210

(904) 777-5880

4347 University Blvd S, Jacksonville, 32216

(904) 739-3090

5230 Baymeadows Rd Ste 5, Jacksonville, 32217

(904) 733-4234

12961 N Main St Ste 206, Jacksonville, 32218

(904) 714-7006

3000 Dunn Ave Ste 66, Jacksonville, 32218

(904) 765-7100

7961 Normandy Blvd, Jacksonville, 32221

(904) 781-1650

12777 Atlantic Blvd Ste 3, Jacksonville, 32225

(904) 220-1204

9550 Baymeadows Rd Ste 13, Jacksonville, 32256

(904) 733-2898

11018 Old St Augustine Rd Ste 119, Jacksonville, 32257

(904) 260-1450

7001 Merrill Rd Ste 33, Jacksonville, 32277

(904) 744-9598

13740 Beach Blvd, Jacksonville, 32224

(904) 992-0966

1084 Airport Rd, Jacksonville, 32218

(888) 332-6984

3126 Edgewood Ave N, Jacksonville, 32254

(888) 332-6984

10151 Deerwood Park Blvd, Jacksonville, 32256

(904) 647-3222

10151 Deerwood Park Blvd, Jacksonville, 32256

(386) 951-5316

910 N Edgewood Ave, Jacksonville, 32254

(904) 381-1920

10230 Atlantic Blvd Ste 3, Jacksonville, 32225

(904) 725-9115

3776 Blanding Blvd, Jacksonville, 32210

(904) 317-8669

1235 Arlington Rd. N, Jacksonville, 32211

(904) 723-3221

5859 University Blvd West, Jacksonville, 32216

(904) 730-7221

8650 Old Kings Rd South Ste 12, Jacksonville, 32217

(904) 448-5911

1440 Dunn Ave Ste 3, Jacksonville, 32218

(904) 751-1250

13947 Beach Blvd Ste 203, Jacksonville, 32224

(904) 992-6493

9978 Old Baymeadows Rd Ste 6, Jacksonville, 32256

(904) 479-2216

12758 Flynn Forest Dr, Jacksonville, 32223-1845

(646) 583-2706

5235 Normandy Blvd, Jacksonville, 32205

(904) 420-0869

7628 103rd St, Jacksonville, 32210

(904) 800-6837

7628 103rd St Unit B, Jacksonville, 32210-9735

(904) 771-2346

4320 Deerwood Lake Pkwy Ste 101-303, Jacksonville, 32216

(904) 717-6551

6733 103rd St Ste 13, Jacksonville, 32210

(904) 772-6018

6733 103rd St Ste 13, Jacksonville, 32210-7135

(904) 772-6018

12276 San Jose Blvd, Jacksonville, 32223

(855) 285-5700

243 W Forsyth St, Jacksonville, 32202

(904) 746-4207

3978 Arlington Expressway Suite 323, Jacksonville, 32211

(866) 722-2770

841 Prudential Dr, Jacksonville, 32207

(904) 758-4417

Unknown, Jacksonville, 32244

(404) 405-7230

Jacksonville (Florida) views and facts:

Population: 903,896
Average car ownership: 2
Median age: 36
Median household income: 54,269
Median property value: 183,700
Homeownership rate: 54.1