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Florida

Rates and Terms for Florida

Loan Amounts: The maximum loan amount for Florida Residents is $500. Based on your income and other factors, loan limits will be determined on an individual basis.
Term of Loan: Minimum Days 7 – Maximum Days 31
Permitted Fees: Deferred Presentment Fee – 10% of the amount borrowed plus a Verification Fee – $5.00 non-refundable, flat fee.

The Annual Percentage Rate (“APR”) will vary depending on the length of your loan (see table below). Please see your loan agreement for the APR and other terms applicable to your loan.

Additional Information:

Your Right to Rescind (cancel) this loan – A borrower may rescind a payday loan without cost for any reason, not later than the close of business on the business day following the date of the payday loan agreement.

Florida Notices:

  1. State law prohibits you from having more than one deferred presentment agreement at any one time. State law also prohibits you from entering into a deferred presentment agreement within 24 hours after terminating any previous deferred presentment agreement. Failure to obey this law could create severe financial hardship for you and your family. You must sign the following statement:
    I do not have an outstanding deferred presentment agreement with any deferred presentment provider at this time. I have not terminated a deferred presentment agreement within the past 24 hours.
  2. You cannot be prosecuted in criminal court for a check written under this agreement, but all legally available civil means to enforce the debt may be pursued against you.
  3. Grace Period: State law prohibits a deferred presentment provider (this business) from allowing you to “roll over” your deferred presentment transaction. This means that you cannot be asked or required to pay an additional fee in order to further delay the deposit or presentment of your check for payment. If you inform the provider in person that you cannot cover the check or pay in full the amount owing at the end of the term of this agreement, you will receive a grace period extending the term of the agreement for an additional 60 days after the original termination date, without any additional charge. The deferred presentment provider shall require that you, as a condition of obtaining the grace period, complete consumer credit counseling provided by an agency included on the list that will be provided to you by this provider. You may also agree to comply with and adhere to a repayment plan approved by that agency. If you do not comply with and adhere to a repayment plan approved by that agency, we may deposit or present your check for payment and pursue all legally available civil means to enforce the debt at the end of the 60-day grace period.

Example of APR and Fee Schedule:

The Annual Percentage Rate (“APR”) will vary depending on the length of your loan (see table below). The table below shows the Annual Percentage Rate (“APR”) and finance charge for various loan amounts ranging from 7 to 31 days in length.
Amount
Borrowed
Fees Charged Amount Due Days APR Days APR Days APR
$100.00 $15.00 $115.00 7 782.14% 14 391.07% 31 176.61%
$200.00 $25.00 $225.00 7 651.79% 14 325.89% 31 147.18%
$300.00 $35.00 $335.00 7 608.33% 14 304.17% 31 137.37%
$400.00 $45.00 $445.00 7 586.61% 14 293.30% 31 132.46%
$500.00 $55.00 $555.00 7 573.57% 14 286.79% 31 129.52%

Please see your consumer loan agreement for the APR and other terms applicable to your loan.

Loan License and Registration:

We are licensed and regulated by the Florida office of Financial Regulation.
Address: 101 E. Gaines Street, Tallahassee, FL 32399
Phone: (850) 487-9687

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