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Viva Payday Loans > Instant Payday Loans Florida

Instant Payday Loans Florida

With over 200 days of sunshine per year, everyone wants to live a good life in Florida, but the reality is that Florida-living is expensive. And just like everywhere else in the world, financial burdens find a way into most people’s lives at least once. Enter the spotlight, payday loans Florida! The good news is that if you’re looking for decent payday loans Florida, you’re just a few clicks away from getting access to quick cash. Several direct lenders and loan networks offer online payday loans Florida, and Viva Payday Loans will put you in touch with those without it costing you a penny! Viva Payday Loans is not a direct lender but a loan-finder site, linking borrowers to lenders most likely to assist them.

When applying for loans payday Florida using the portal, you’re in a great position to connect with some of the USA’s most reputable lenders. You don’t have to spend hours contacting each lender individually and running the risk of several hard credit checks against your name. Instead, pop onto the Viva Payday Loans website, input your loan requirements once and wait to be presented with loan options from serious lenders. While Viva Payday Loans, which is a loan-finder, won’t conduct a credit check on you, keep in mind that some lenders might. The system is entirely automated, so there’s no waiting for a response when you apply for payday loans online Florida. You’ll know in as little as two minutes if you’re eligible for a loan or not. If you’re not matched with any lender, we may recommend alternative credit solutions such as debt consolidation, credit reports, or credit repair.

This overview provides more information on how Florida payday loans work, your loan options, the pros and cons involved, and how to apply for Florida payday loans in four easy steps.

How Do Online Payday Loans Florida Work?

When comparing online payday loans Florida and regular bank loans, you will find them quite different. Traditional banks have strict lending requirements and pale in comparison to payday loans’ speedy payouts. Of course, Florida payday loans come with lending requirements too, but these tend to be a little easier to adhere to than bank eligibility requirements. Online payday loans Florida generally follow a simple loan model.

The borrower selects an amount between $100 and $5,000 and selects the loan term. The borrower will need to provide all their details and supporting documents (proof of address, bank statements, pay slips). If the lender is happy with all of the information provided, they may conduct a credit check to determine the borrower’s current financial standing. That doesn’t mean that bad credit borrowers are excluded. You can use the provided cash for any legal purpose. Once the loan has been paid out, the borrower must ensure that they repay the loan on time every month in the correct installments. If borrowers default on their loan payments, they face penalties. While credit score plays a role for lenders, so does affordability. Your income vs. expenses will be thoroughly referenced to ensure you can afford the loan.

Applying for online payday loans for bad credit Florida is also straightforward, and you can expect APRs of between 5.99% to 35.99% with 2 to 24 months to pay. Borrowers also have a greater chance of their online payday loans Florida no credit check applications going through when using a loan-finder site as several lenders will be given the opportunity to consider the loan request. When it comes to repaying the loan, the process is simple. When setting up fast payday loans in Florida, most lenders will set a debit order to ensure that payments are made on time.

Various Types Of Fast Payday Loans Florida

When using a loan-finder service such as Viva Payday Loans, you can apply for the following types of online payday loans Florida from the lenders that form part of their panel:

Unsecured Payday Loans Online Florida

Florida payday loans that don’t require a co-signatory or collateral to are called unsecured loans. An unsecured loan is trickier to get than a secured loan because your credit score plays a more significant role. Unsecured payday loans online Florida are typically small, ranging from $100 to $5,000, with either 2 to 12 months to pay or 2 to 24 months to pay.

Instant Payday Loans Florida

If you’re looking for loans payday Florida that are instant, you’ve come to the right place. As a loan-finding company, we make it our business to find a loan for you – and we’re pleased to announce that many of the lenders on our panel offer loans that are paid out on the same day. In some instances, you can expect to wait only as long as the next business day to get the money you need.

Emergency and unexpected expenses have a way of sneaking up on you, so with the knowledge that payday loans online Florida that pay cash advances are available, you can have peace of mind.

Payday Loans Florida For Bad Credit Borrowers

Bad credit borrowers across the globe seek out payday loans to help them get from one payday to the next. While lenders do carry out credit checks and loan approval cannot be guaranteed, it must be noted that some bad credit borrowers who are now in good financial standing (they have been working at their credit) do get small online payday loans for bad credit Florida that help them build their credit score along the way. These are often referred to as credit builder loans.

If you’re looking for a loan-finder site that offers online payday loans Florida no credit check, you will be pleased to know that doesn’t carry out credit checks on applicants (that’s the job of the lenders offering the loans). We merely present you with loan packages to compare but when you link to a lender and want to take the process further, they may conduct a credit check against your name.

Florida Payday Loans Online For Unemployed Individuals

If you’re not traditionally employed, you may think that not having a payslip puts you at a disadvantage in getting a loan. This is not the case. You may not hold a traditional job, but you’re eligible for Florida payday loans online if you still earn a monthly income through other means. Most lenders have their requirements in place, but the minimum monthly earnings required is $1,000 per month.

Unemployed means you don’t have a regular job with a boss and a payslip, but it doesn’t imply that you aren’t making money. Individuals who work for themselves, freelance, or derive their livelihood from dividends, property rentals, trust payments, government assistance, child support, and so on may be classified as unemployed but are still eligible to apply for payday loans in Florida. You can use your bank statements, tax returns, and income statements as proof of income.

Common Features Of Online Payday Loans Florida

While each payday loans provider in Florida has its own terms and conditions, most share similar features as follows:

Get Your Cash By The Next Business Day

You don’t have to wait long for your money when you apply for payday loans Florida through Viva Payday Loans. Instead, lenders are concerned with getting cash into customers’ bank accounts as soon as possible. In most cases, payments are completed within 24 hours of the loan being authorized, but payouts can be made in as little as 60 minutes.

Ultimate Convenience Of Online Applications

Online payday loans Florida are available to everyone. All aspects of the application, from the initial application to the signing of the loan contract, may be completed online. You must have access to the internet and a computer, laptop, tablet, or mobile phone to apply (computer, laptop, tablet, or mobile phone). Because of this convenience, the amount of time it takes to get a loan is greatly reduced.

Advantages And Disadvantages Online Payday Loans Florida


All FICO Scores Welcome

Payday loans Florida are available to people with all FICO scores. Lenders will carefully evaluate your financial status and provide a conclusion based on that.

Flexible Repayment Schedules

There is no one-size-fits-all plan for repaying online payday loans for bad credit Florida. When applying for the loan, you must choose a repayment period. The lender will then talk directly with you about payment alternatives, with the most popular choices being weekly, fortnightly, or monthly payments over two to 24 months.

Loan Matching Services 100% Free

There are no fees to utilize to locate the fast payday loans Florida. The system is designed to connect lenders with borrowers and assist customers in saving money.

Disadvantages Of Payday Loans Online Florida

Interest Rates Can Be High

The APR you will be charged and when interest is charged on your Florida online payday loan varies based on the lender. Interest rates start at 5.99% and go up to 35.99% if you secure payday loans Florida via Of course, you should negotiate a better interest rate if you can. Some lenders want to remain competitive and are sometimes open to negotiation.

Eligibility Criteria For Florida Payday Loans Online

To qualify for payday loans in Florida, borrowers must meet the requirements set in place by the lenders on the panel at All lenders are different, but most share these eligibility criteria:

  • Applicants must be 18 years old or older
  • Only USA citizens and legal residents may apply
  • Minimum earnings are set at $1,000 per month
  • An active US bank account and mobile phone is required
  • Valid identification is required

How To Apply For Payday Loans Florida In 4 Easy Steps

There are just four simple steps involved in applying for payday loans Florida:

Step 1: Select The Loan Amount & Term

If you’re unsure how much money you’ll need, set aside some time to do some research. If you take a chance and apply for a large sum of money that your budget can’t support, your application will be denied. Payday loans Florida are usually available for $100 to $5,000, with most lenders having their own conditions.

Step 2: Complete The Online Application Form

The procedure is much easier if you provide all of the information requested as accurately as possible. You’ll find a green “Apply” button in the upper right corner of your screen on Simply click it to begin filling out the application form that appears.

Step 3: Get Matched With A Lender

You’ll be matched with lenders that are interested and able to assist you with payday loans Florida. This process takes just two minutes. If your loan application is turned down, you will receive a notification informing you. At this stage, the lender will directly contact you to finalize the loan agreement. Take the time to ask questions and ensure that you fully understand the contract.

Step 4: Get Cash In Your Account

Once all the supporting documents are provided, and the lender is happy, they will pay out your loan. This usually takes 60 minutes to 24 hours from loan approval.


Is There A Loan That Doesn’t Check Credit In Florida?

Everyone, especially bad credit borrowers, wants to find a loan option where no credit check is carried out. There are specific credit builder loans on the market, but credit checks are the norm with payday loans in Florida. Your credit score will determine how much interest you will be charged, ranging from 5.99% to 35.99%.

Can You Have More Than One Payday Loan in Florida?

Payday loans Florida providers typically only allow borrowers to have one outstanding loan at a time. Florida has certain restrictions in place when it comes to payday loans Florida. In fact, when one loan is paid off, you have to wait a 24-hour “cooling period” before you can apply for another loan.

Can You Have An Installment Loan And A Payday Loan At The Same Time In Florida?

Florida legislation allows installment payday loans and traditional payday loans. They are called deferred presentment transactions and deferred presentment installment transactions. The max traditional payday loan amount in Florida is $500.

How Long Do I Get To Pay Off Payday Loans Florida?

Florida payday loans are typically repaid in 2 – 12 months or 2 – 24 months.