Fast Online Payday Loan [ CLEARWATER ]
Possible types of loans:
- $100, $200, $300, $400, $500, $600, $700, $800, $900, 1000 dollars are emergency payday loans in Clearwater Florida USA, which are issued for a period of 1, 2, 3 or 4 weeks (until your next salaries).
- $1500, $2000, $2500, $3000, $3500, $4000, $4500, $5000 – Clearwater, FL installment loans that can be taken out for terms of up to 2 years (most often 1, 6, 9, 12 or 3 months).
To get fast online cash advances (payday or personal loans, short-term loans, fast cash) with instant approval in Clearwater, FL, USA, use our simple 5-minute application form! The money will be credited to your bank account within 24-48 hours (or faster) after approval.
Cash Advance Near Me :: Clearwater Florida Direct Lenders (list of offline stores and agencies nearby)
| Company | Address | Phone |
|---|---|---|
| Loanwell America | 28870 US Hwy 19 N #320, Clearwater, FL 33761 | +1 727-669-1705 |
| OneMain Financial | 25957 US Hwy 19 N, Clearwater, FL 33763 | +1 727-546-5360 |
| Suncoast Credit Union | 26232 US Hwy 19 N, Clearwater, FL 33761 | +1 800-999-5887 |
| Amscot – The Money Superstore | 1874 N Highland Ave, Clearwater, FL 33755 | +1 727-449-1360 |
| Amscot – The Money Superstore | 4100 E Bay Dr, Clearwater, FL 33764 | +1 727-533-0006 |
| 5 Star Car Title Loans | 620 Bypass Dr Suite 102, Clearwater, FL 33764 | +1 727-335-6780 |
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About Payday Loans in Clearwater Florida
Facing an unexpected expense before payday? Payday loans (also called cash advances) offer quick cash in Clearwater, Florida—but they come with high costs and risks. Here’s what you need to know before borrowing.
How Payday Loans Work in Clearwater, FL
Payday loans are short-term, small-dollar loans (typically $100 to $500) designed to be repaid by your next paycheck. Florida law allows these loans but imposes strict regulations.
Key Features:
✔ Fast Cash – Many lenders approve loans the same day.
✔ Minimal Requirements – Bad credit? No problem. Most lenders don’t check credit scores.
✔ Short Repayment Term – Usually due in 14 to 30 days.
✔ Storefront & Online Options – Borrow in-person or apply digitally.
Florida Payday Loan Regulations
Clearwater lenders must follow state laws, including:
- Maximum Loan Amount: $500
- Loan Term: 7 to 31 days (no rollovers allowed)
- Maximum Fees:10% of the loan amount + a $5 verification fee
- Example: A $500 loan costs $55 in fees ($50 + $5).
- APR Cap: 304% for a 14-day $100 loan (still extremely high).
- Cooling-Off Period: After two consecutive loans, you must wait 24 hours before borrowing again.
Despite these rules, payday loans remain expensive and can trap borrowers in debt cycles.
Where to Get a Payday Loan in Clearwater
You can find payday lenders in Clearwater through:
- Storefront Locations (Check areas like Gulf-to-Bay Blvd, US-19, and Drew Street)
- Online Lenders (Some operate statewide with direct deposit options)
Requirements:
✅ Florida ID or Driver’s License
✅ Proof of Income (Pay stubs, benefits, or bank statements)
✅ Active Bank Account
✅ Age 18+
Risks of Payday Loans in Clearwater
While convenient, payday loans can lead to:
⚠ Debt Traps – Many borrowers take out new loans to repay old ones.
⚠ High Fees – A $500 loan could cost $555 in just two weeks.
⚠ Bank Overdrafts – Missed payments may trigger aggressive collection attempts.
Better Alternatives in Clearwater
Before taking a payday loan, consider:
- Credit Union Payday Alternative Loans (PALs) – Lower rates, longer terms.
- Personal Installment Loans – More flexible repayment options.
- Emergency Assistance Programs – Local charities like Religious Community Services (RCS) may help.
- Payment Plans – Ask utility companies, landlords, or medical providers for extensions.
Bottom Line
Payday loans in Clearwater provide fast cash, but their high costs make them risky. If you must borrow:
- Only take what you can repay on time.
- Avoid taking multiple loans.
- Explore cheaper alternatives first.
Need help finding financial resources in Clearwater? Contact 211 Tampa Bay Cares or Clearwater Homeless Intervention Project for assistance.
Disclaimer: Payday loans should be a last resort due to high fees. Florida prohibits loan rollovers and limits loans to $500. Borrow responsibly.
