Helpful Tips For Getting A Fast Payday Loan In Florida

April 1, 2021 | Emma Frost

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Thinking about getting a fast payday loan Florida to fix your financial problems? There are certain things you need to know before you start our easy process. The first thing is that a payday loan helps bridge the gap between pay periods when you really need emergency cash. Here are some other things you need to know first.

When Should I Get A Payday Loan?

Getting a loan at Fast Payday Loan Florida is easy and fast – which makes it a tempting choice for those strapped for cash.

But before you apply, think hard – do you really need a loan? Payday loans are an optimal solution to problems that are time-sensitive and may escalate if not dealt with immediately. Think medical emergencies, or emergency locksmith services, or overdue bills. If your problem will get worse unless dealt with ASAP, then getting a payday loan is fully justified.

Read: Top 5 Reasons People Get Payday Loans.

But if your problem can be postponed for a little while, then you should try to get the cash together from avenues that don’t add to your existing financial obligations first. Try getting a salary advance, or adding to your work hours, or even getting a side-hustle.

Adding to your financial obligations shouldn’t be your first choice for fixing a problem. However, if you’ve exhausted other options – getting a loan at Fast Payday Loan Florida could be what you need.

What Do I Need To Get A Loan At Fast Payday Loan Florida?

1. You Need A Document Proving You’re Over 18

Anyone who’s over 18 can be eligible for a payday loan at Fast Payday Loan Florida. With one caveat – you must be able to prove you’re of legal age.

Meaning, you must provide a valid government-issued photo ID to the loan representative you’ll be working with. So make sure to get one before you apply.

2. You Need Some Sort Of Income

It’s right there in the name – you’ll be paying the loan off on your payday. Meaning your loan payment will be due when the paycheck hits, meaning you need a paycheck.

Luckily, unlike more traditional loans, the source of your paycheck doesn’t really matter. As long as you’ve got a paycheck – and provide the representative with proof of your income - Fast Payday Loan Florida will accommodate any kind of income.

Just make sure to have your last pay stub ready as it will act as your proof of income. And make sure your income is steady so you can stick to the repayment plan.

 

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3. You Need An Active Checking Account In Your Name

You will need an active checking account that in your name. Unfortunately, you won’t be able to use either a relative’s or a friend’s – even if they allow and provide you with proof that you can use their checking account for the loan.

To get approved, you will need to provide a blank check from your checking account. And if the name on the account isn’t yours – unfortunately, you won’t be approved for the loan.

4. You Don’t Need To Worry About Your Credit Score

While the loan representative might need to perform a simple quick credit check – it’s not something you need to worry about.

As long as your required items are in order, you can easily still apply for the payday loan even if your credit score is bad – our outright nonexistent!

However, since the loan won’t be reported to any credit bureaus, it won’t influence your existing credit score either – either positively or negatively. So, if you were thinking about getting a payday loan as a means of improving your poor credit score – unfortunately, it won’t work.

5. Know About The Repayment Options

Usually, since payday loans tend to be fairly small, you pay them off in singular payment. But in Florida, you can get up to $1000 with payday loans, which often cannot be covered by a simple paycheck.

The loan representative you’ll be working with will try to set you up with the payoff schedule that works best depending on the amount of the loan. However, if something isn’t working for you, do ask them about the options and they might be able to accommodate you further.

How Do I Apply For A Fast Payday Loan Florida?

As mentioned above, you only need to have a few documents to get a payday loan. Make sure you’ve got a valid government-issued photo ID, your most recent pay stub as proof of income, and a blank check from an active checking account that’s in your name before you apply. After that – it’s smooth sailing.

Just go to the Fast Payday Loan Florida website, fill out the online form and submit. Pay attention to your phone – the form will get processed soon, and a loan representative will contact you to provide further instructions and set up a meeting at the nearest Florida payday loans.

You’ll need to take all the required items to the scheduled meeting. The loan representative you’ll be working with will assess everything to determine how much cash you qualify for. If you’re approved – you’ll complete the simple paperwork and get the cash the same day. This entire process could last as little as just 30 minutes.