payday loans in fort walton beach

What You Need to Know About Payday Loans in Fort Walton Beach, FL

Payday loans in Fort Walton Beach are short-term loans that allow you to borrow small amounts to cover emergencies. People often use them for funding medical bills, overdue bills, essential home repairs, and urgent travel costs. 

But there is so much more to learn about payday loans, so let's jump right into the details.

How Much You Can Borrow With A Payday Loan

You can't borrow large amounts with payday loans. They are only for smaller emergencies. However, you can still borrow a good amount between $100 and $1,000 with our Fort Walton Beach payday loans. 

The Requirements For Fort Walton Beach Payday Loans

If you have ever tried to apply for a traditional bank loan, you will understand the thorough list of requirements needed to do so. Thankfully, that changes when you get a payday loan — you need just three things.

The items you need are as follows: 

  1. Government-issued photo identification — We typically request your driver's license to satisfy this requirement. However, you don't need to learn to drive to get payday loans in Fort Walton Beach. If you don't own a driver's license, you can use the following forms of identification instead:
    • A United States of America passport card
    • A United States of America passport
    • A United States of America non-driver's ID card
    • A United States of America student ID card
    • A United States of America military ID card
    • A United States of America military-dependent ID card
  2. Pay stub — Please ensure it is the most recent pay stub. We use this to confirm your ability to repay the loan.
  3. Blank check — You must give us a blank check from an open and active checking account open in your name. 

A Quick Note On Credit Scores

Unlike traditional loans, you don't need to have a fantastic credit score. Instead, you can apply with bad credit — after all, they're designed for those with less-than-perfect credit scores.

The question is, what is a bad or good credit score?

Well, there are two main models with slightly different rankings. But, we'll cover each for your convenience.

The first one is the FICO Score system, which ranks your credit as follows:

  • 300 to 579 is classed as a poor credit score.
  • 580 to 669 is classed as a fair credit score.
  • 670 to 739 is classed as a good credit score.
  • 740 to 799 is classed as a very good credit score.
  • 800 to 850 is classed as an exceptional credit score.

The second is the VantageScore system, which ranks your credit rating like this:

  • 300 to 499 is known as a very poor credit score.
  • 500 to 600 is known as a poor credit score.
  • 601 to 660 is known as a fair credit score.
  • 661 to 780 is known as a good credit score.
  • 781 to 850 is known as an excellent credit score.

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How To Get Payday Loans From Fast Payday Loans, Inc.

Once you have gathered your documents, you can follow these steps to get a payday loan in Fort Walton Beach from us at Fast Payday Loans, Inc.

While it might seem like a long process, it's actually very fast. The in-person portion takes just half an hour. And, amazingly, you'll receive the money you need in less than 24 hours!

Here is your step-by-step tutorial:

  1. Complete our easy online request form. It should only take five minutes and sends your information directly to your nearest Fast Payday Loans, Inc. branch.
  2. Wait for one of our loan representatives to give you a call. They will discuss the requirements, ensure you understand the process, and answer any of your questions. They want to make sure you're fully in the know before continuing with the application. 
  3. After the phone call, head to your local Fast Payday Loans, Inc. branch with the requirements we discussed earlier. 
  4. Upon your arrival, one of our loan associates will evaluate your documents to establish whether you qualify for a payday loan in Fort Walton Beach.
  5. If you do qualify for the payday loan, you will continue the application process. It involves filling in some simple paperwork and signing a few documents.
  6. Finally, you receive the money you need on the same or following business day. It really is that easy!

Get Payday Loans in Fort Walton Beach Today!

Payday loans in Fort Walton Beach are wonderfully straightforward to access. After all, your credit history doesn't matter! But before jumping right in, take a moment to consider whether you need the loan. You shouldn't enter a new financial obligation for no reason (regardless of how temporary its impact might be).

If you need a quick payday loan, fill in our easy form or give us a call right away.

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

Daniel Dewitt

Daniel Dewitt is a lifetime blogger with a finely-honed ability to break down, analyze, and interpret economic trends for the layman. He's fiercely invested in spreading financial literacy and helping everyday people gain the tools they need for their own economic success.