People in Gainesville, Florida often need extra cash at the most inopportune moment. It is not always possible to borrow money for emergencies from a bank, and borrowing money from relatives, friends or acquaintances is also not the most suitable option for solving personal financial issues.

A more reasonable way out is an online payday loan. Applying via our lender referral service is one of the most popular options. We partner with online lenders that provide loans remotely. To get a loan, you only need an Internet connection, a phone number, a bank account, and a few documents.

An application can be submitted 24/7 at any convenient time – our automated scoring system processes requests almost instantly. We assess the borrower and matched him/her with the best lender. Participating lenders approve 94% of applicants (unlike banks).

How to apply for a payday loan in Gainesville, Florida

To get accepted for a loan, you typically need to follow a few steps:

1. go to our website and select the loan amount and term;
2. fill out a short application, provide only correct data;
3. get connected to the right lender;
4. wait for the lender’s decision;
5. e-sign the loan agreement and get the funds within a few hours.

What a payday loan can be used for?

You can borrow $100-$1,000 to solve various issues:

• repair of cars, household appliances;
• purchase of furniture, shoes, clothes;
• wedding expenses;
• paying for medical treatment;
• purchase of a birthday gift;
• home renovation;
• business trips, vacation;
• paying for education.

Who can get a payday loan in Gainesville, Florida?

Borrower requirements vary by lender. Usually, to get accepted, you must:

1. have some kind of identity verification;
2. be of legal age;
3. have a bank account in your name;
4. have a valid email address and phone number;
5. have a steady source of income.

In most cases, lenders work with borrowers with bad credit.

Payday loans in Gainesville, Florida: law and regulations

• Legal Status: Legal
• Maximum Loan Amount: $500
• Loan Term: 7-31 days
• APR for 14-day $100 loan: 419%
• Finance Charge for 14-day $100 loan: $16.11
• Maximum Finance Rate and Fees: 10% of check + verification fee not to exceed $5
• Criminal Action: Banned
• Cooling-off Period: 24 hours
• Maximum Number of Outstanding Loans at One Time: 1
• Repayment Plan: Yes. Grace period extends term 60 days, no additional charge.
• Collection Fees: All charges imposed on the lender by any financial institution; lender not entitled to treble damages
• Rollovers Permitted: None

The advantages of using our referral service

Online lending is an opportunity to borrow $100-$1,000 without visiting the lender’s office.

Getting an online payday loan via our referral service is a good solution because:

• same-day funding;
• you can fill out an application from the comfort of your home;
• the service is available to all adult residents of Florida;
• you can submit an application 24/7;
• customer support around the clock;
• wide range of reputable lenders;
• affordable loan rates;
• flexible terms;
• convenient repayment options;
• no paperwork.

We have been operating in the credit services market for many years already, and the number of satisfied clients from cooperation with us is growing every day.

Three problems that online payday loans can easily solve

Anyone who has reached the age of 18 can take out a loan online in cash in Gainesville, Florida, with no guarantors, collateral and proof of income. Online lending solves three problems at once:

• it relieves you of the need to feel awkward when communicating with family, friends or a bank manager, explaining why you need the funds;
• you do not need to waste time and money on the road to the lender’s office, stand in a queue – you can apply for a loan at any time, anywhere, while bank branches have a working schedule;
• your personal information is reliably protected.

In order to get a loan, you do not need to be officially employed – every adult resident of Gainesville can get a fast payday loan without collateral and paperwork. The simplified procedure for obtaining a loan has become widespread today in Florida, and loyal conditions. The absence of hidden fees and the ability to independently choose the amount and term of payment make the entire procedure as easy and transparent as possible. It takes 5-10 minutes to complete an application, ad a few hours to get the money, so you can solve your unexpected money issues the day you apply.