woman considering payday loans in Jacksonville

What Do I Need To Provide For A Jacksonville Payday Loan?

If you’re searching for a Jacksonville payday loan, you have probably already come across Fast Payday Loans, Inc. of Florida and may be wondering whether to proceed. There are many things to consider before you take out a payday loan, of course. You should consider your current income, the urgent situation, and whether you need a loan.

Sometimes, you’ll conclude you don’t need to borrow money. In some situations, you’ll decide that a loan is unavoidable. If the latter scenario occurs, you can contact us, and we will guide you through getting started with a Jacksonville payday loan.

Fortunately, the process tends to be quick, especially if you can provide the necessary documents. Keep reading to discover what’s required for a Jacksonville payday loan.

What Is Required To Apply For A Jacksonville Payday Loan?

Can You Take Out A Loan Without Required Items?

For many reasons, you need certain items before getting a loan. This protects both the person taking the loan and the company providing the loan from all sorts of problems, and you won’t be approved for a loan if you can’t offer at least some documentation. The most important things you will need include:

  • Some form of current, state-issued identification-This could be a driver’s license, a passport, or something similar, like a social security card. Note that if you aren’t sure whether your form of ID is likely to be accepted, you can ask an agent about it, and they will be able to offer you some guidance.
  • A checking account and an associated blank check-These must be in your name, not in the name of a relative or friend.
  • The last pay stub your company sent you-This serves as proof of income and is key for any payday loan.

You may be asked to bring other items, too, so make sure you check this with the company representative when you speak to them.

man wondering about Jacksonville payday loan

Should I Speak To My Bank First?

Many people turn to their banks when considering getting a Jacksonville payday loan, as many think of banks as traditional lenders. Sometimes, your bank can offer you help, depending on your circumstances, the amount of money you need, your flexibility in waiting for the money, and other factors.

Bank loans are often for fairly large amounts of money and may have a minimum for borrowing, which could result in you having to take a bigger loan than you want. In other cases, a bank loan might take too long or have extensive hoops for you to jump through. In other cases, more than a bank loan is needed to solve the problem.

A bank loan may take about a week to be approved and appear in your account. However, if approved with a Jacksonville payday loan, you could have the money by the following day and sometimes even on the same day.

Do I Need Good Credit For A Jacksonville Payday Loan?

Bank loans can also be challenging if your credit rating is low, so you may find that you aren’t eligible for one, even if you can wait long enough for the loan to process. For this reason, many people find bank loans aren’t for them, although you can certainly explore this avenue if it seems hopeful.

The good news is that Fast Payday Loans, Inc. of Florida welcomes borrowers from all credit backgrounds. If you have good, bad, or no credit at all, you can apply for a Jacksonville payday loan. We do not perform a hard credit check or review your credit score. Your employment secures the loan, and your credit does not determine your eligibility.

Can I Get A Paycheck Advance From My Employer?

Sometimes, you ask your employer for an advance on your paycheck, which can also be problematic. Many employers don’t like to do this because it can cause complexities if you resign before the money has been recovered or because they can’t offer it to all employees. Other problems may make them reluctant to provide advances on your paycheck.

Again, if you want to explore this avenue, you can ask your employer about the possibility, and you may find that they will provide you with an advance. However, in many cases, the answer will be no, in which case a payday loan may be a viable option.

man with paycheck advance in Florida

Apply For A Jacksonville Payday Loan Now!

Fast Payday Loans, Inc. of Florida works to provide customers in Jacksonville and further afield with money to help them get through a difficult financial period. If you need cash, consider getting in touch with us. A payday loan can help pay for unanticipated emergencies or costs you need to spread over a more extended period.

You can apply for this kind of loan no matter what job you have or what your credit score looks like. Fill out our online inquiry form to start the Jacksonville payday loan process today!


Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.

Mason Roberts

Mason Roberts is a seasoned economics writer and blogger with a knack for breaking down and simply communicating the ever-changing world of finance. He is philosophically committed to the premise that financial knowledge equals financial freedom.