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

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

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In need of payday loans in Tampa, 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 Tampa, 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 Tampa, Florida?

If you are going to get a payday loan it is a good idea to apply with a lender in Tampa 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 Tampa.

How much can I borrow in Tampa, FL?

To make sure you can afford to repay in full as intended, Tampa 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 Tampa, 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 Tampa 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 Tampa 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 Tampa (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 Tampa, FL?

Yes, payday lending in Tampa, 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 Tampa 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 Tampa, FL zip codes: 33602, 33603, 33604, 33605, 33606, 33607, 33609, 33610, 33611, 33612, 33613, 33614, 33615, 33616, 33617, 33618, 33619, 33620, 33621, 33624, 33625, 33626, 33629, 33634, 33635, 33637, 33647, 33633, 33631, 33672, 33673, 33601, 33643, 33677, 33694, 33655, 33664, 33682, 33622, 33684, 33690, 33630, 33650, 33674, 33660, 33651, 33675, 33680, 33662, 33608, 33679, 33697, 33689, 33623, 33663, 33686, 33688, 33687, 33681, 33661, 33685.

Tampa (Florida) payday loan requirements

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

You just have to be a legal resident of Tampa (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 Tampa, 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 Tampa, FL:

3921 N Florida Ave, Tampa, 33603

(813) 222-0063

8800 N Florida Ave, Tampa, 33604

(813) 930-2435

2720 W Kennedy Blvd, Tampa, 33609

(813) 877-7411

4001 E Hillsborough Ave, Tampa, 33610

(813) 621-7221

2532 E Bearss Ave, Tampa, 33613

(813) 977-1022

4025 W Hillsborough Ave, Tampa, 33614

(813) 249-7777

4123 W Hillsborough Ave Ste C, Tampa, 33614

(813) 885-2685

4950 W Kennedy Blvd Ste 605, Tampa, 33609

(800) 236-2600

6901 N Armenia Ave, Tampa, 33604

(813) 936-1830

8409 N Florida Ave, Tampa, 33604

(813) 915-1553

2922 N Himes Ave, Tampa, 33607

(813) 870-1040

722 South Dale Mabry Hwy, Tampa, 33609

(813) 871-6765

4481 W Gandy Blvd, Tampa, 33611

(813) 835-0735

1727 E Busch Blvd Ste 110, Tampa, 33612

(813) 936-1680

8231 W Hillsborough Ave, Tampa, 33615

(813) 888-5518

11010 Casey Rd, Tampa, 33618

(813) 968-4840

6106 Gunn Hwy, Tampa, 33625

(813) 962-4420

2301 E Fowler Ave, Tampa, 33612

(813) 558-8500

600 N W Shore Blvd Ste 1200, Tampa, 33609

(800) 333-6130

7520 W Waters Ave, Tampa, 33615

(813) 901-5155

5002 E Busch Blvd, Tampa, 33617

(813) 988-9700

1202 W Cass St, Tampa, 33606

(813) 200-7661

130 W Fletcher Ave, Tampa, 33612

(813) 931-3535

7077 W Waters Ave. Ste 18, Tampa, 33634

(813) 884-7700

10600 N 56th St, Tampa, 33617

(813) 333-5711

8875 Hidden River Pkwy Ste 300, Tampa, 33637-2087

(813) 435-5859

3913 Tower Rd, Tampa, 33614-3505

(813) 398-1088

4815 E Busch Blvd Ste 108, Tampa, 33617

(813) 988-6161

6505 Runningwoods Dr, Tampa, 33634-4721

(855) 201-8950

1907 W Kennedy Blvd Ste 4, Tampa, 33606

(813) 563-6400

4350 W Waters Ave Ste 205, Tampa, 33614

(813) 884-0300

2202 N West Shore Blvd Ste 200, Tampa, 33607

(813) 316-9938

., Tampa, 33602

(561) 705-0140

2202 Nw Shore Blvd, Tampa, 33607

(877) 874-9826

8875 Hidden River Pkwy, Tampa, 33637

(813) 305-2856

Tampa (Florida) views and facts:

Population: 392,905
Average car ownership: 2
Median age: 34.6
Median household income: 54,599
Median property value: 257,600
Homeownership rate: 48.3