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Cash Advances and Payday Loans in Tampa, FL

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Cash advances and payday loans are short-term loan options for consumers in need of fast funding. Often, people turn to these loans in times of financial emergency or when facing unexpected expenses.

Both types of loans may be a good choice for those who need to fund an emergency expense. Payday loans are designed to be repaid within two weeks of taking the loan, or upon receipt of the borrower’s next paycheck.

Payday loans are a legal form of cash advance in Tampa, Florida. However, the government has issued strict rules and regulations for lenders and borrowers. For more information about lending practices in Florida, consumers can access the Florida Office of Financial Regulation.

Benefits of Taking Out a Payday Loan in Tampa

Payday loans have many enticing benefits. Some of these advantages include:

  • Expedited access to cash. The loan is often transferred to the borrower shortly after approval. The direct lender may deliver the loan in as little as one business day.
  • A straightforward application. Many lenders now use their online platforms to initiate the loan request process. Completing the application form is easy as long as the borrower meets all the requirements.
  • Although all payday lenders will conduct a credit check, some may be flexible when it comes to less-than-stellar credit applicants. These lenders may consider income alongside credit when determining eligibility.
  • Payday loans are an alternative method to traditional lenders. Most traditional loan requirements are foregone, as is the lengthy paperwork that comes with them.

How to Get a Cash Advance and Payday Loan in Tampa

Tampa, FL, offers both storefronts and online lenders. Online platforms present an added convenience when applying for a cash advance. Online lenders’ applications are fairly simple. Potential borrowers may be asked to provide the following information when requesting a loan online:

  • Personal information, including name, address, phone number, and email address
  • Bank account number for the account where the loan will be deposited
  • Employment information such as monthly income and the name of employer or company

All of these documents may need to be present to ensure a secure transaction. Requirements may vary by lender.

Cash Advance and Payday Loan Requirements

To apply for a loan in Tampa, Florida, the lender may require that the borrower:

  • Be at least 18 years old
  • Possess a social security number
  • Be a legal resident of Tampa, Florida, with proof of residency
  • Make at least $1,000 per month.
  • Have a current phone number and email address

Costs and Regulations of Cash Advances and Payday Loans in Tampa, FL

The State of Florida has strict laws and limitations on cash advances. The State allows payday loans reaching up to $500, excluding fees. Borrowers can only apply for one loan at a time, and there must be at least a 24-hour period between each loan. Finance charges reach up to 10%. The annual percentage rate can reach 304%. The minimum loan period is anywhere from seven to 31 days. Rollovers are illegal, and lenders cannot seek criminal charges against their borrowers.

To learn more about your state rules regarding short-term loans in Tampa, Florida, visit the state’s website.

Installment Loans in Tampa

Installment loans come in the form of car loans, college loans, and mortgage loans. While installment loans can be used for short-term financial needs, they are usually larger sums of debt to pay back, which is why they are spread across monthly installments. Though sometimes more expensive than payday loans, installment loans don’t have to be repaid in one lump sum. Instead, borrowers can repay the loan in small amounts over a longer period of time.

Some lenders in Florida even allow their borrowers to extend their repayment terms to reach one year.

Requesting Title Loans in Tampa

Title loans are short-term loans given to borrowers who want to put their vehicle up as collateral. The vehicle presented as collateral can be a car, a truck, or even a motorcycle. This form of short-term cash advance comes with similar regulations as other cash advances, with the additional provision of signing the vehicle title over to the lender. The lender will examine the vehicle and estimate its value before suggesting a loan amount.

The requirements for title loans in Tampa may differ a bit from that of a payday loan. Borrowers may need to present the following:

  • Government-issued ID
  • Proof of residency in Tampa, Florida
  • Employer reference and income source
  • Photos of the vehicle being used as collateral
  • Lien-free car title

If your vehicle is not lien-free, it is best to pay off any lingering debt on the asset before applying for another loan. However, some title loan companies will lend according to the equity you have in your car.

Our Favorite Tampa, FL, Cash Advance and Payday Loan Companies

Due to the sheer number of lenders based in Tampa, FL, borrowers should perform thorough research before settling on a lender. Two of the most trusted lenders based in Tampa are Advance America and Check ‘n’ Go.

Advance America presents many storefront locations in Tampa, along with a resourceful website where borrowers can learn more about their loan options. They offer payday loans and installment loans to their customers, both online and at the store.

Similar to Advance America, Check ‘n’ Go offers both storefront and online options for their customers. Aside from payday loans, they also provide check cashing services.

Company name
Address
Phone
24 Hours Checks Cashed
4025 West Hillsborough Avenue Tampa FL, 33614
813-249-7777
24 Hours Checks Cashed
8800 N Florida Ave Tampa FL, 33604
813-930-2435
24 Hours Checks Cashed
2720 West Kennedy Boulevard Tampa FL, 33609
813-877-7411
24 HOURS CHECKS CASHED
4025 W Hillsborough Ave Tampa FL, 33614
813-249-7777
A Gold Unlimited Store
2302 North Dale Mabry Highway Tampa FL, 33607
813-874-5420
Advance America
8868 North 56Th Street Tampa FL, 33617
813-984-9778
Advance America
3920 West Hillsborough Avenue Tampa FL, 33614
813-874-1980
Advance America
3402 South Dale Mabry Highway Tampa FL, 33629
813-837-5145
ADVANCE AMERICA
8436 W Hillsborough Ave Tampa FL, 33615
813-806-9496
ADVANCE AMERICA
7859 Palm River Rd Tampa FL, 33619
813-612-5782
ADVANCE AMERICA
9025 N Florida Ave Tampa FL, 33604
813-936-2120
ADVANCE AMERICA
3920 W Hillsborough Ave Tampa FL, 33614
813-874-1980
ADVANCE AMERICA
2602 E Fletcher Ave Unit B Tampa FL, 33612
813-631-8289
Advance Amigo
7225 West Hillsborough Ave Tampa FL, 33634
813-880-0120
Advance Til Payday
9000 North Florida Avenue Tampa FL, 33604
813-936-8824
Advance Til Payday
2310 West Waters Avenue Suite G Tampa FL, 33604
813-936-1194
Alternative Financial Services
2602 E Busch Blvd Tampa FL, 33612
813-935-8677
American Cash
2002 East Fletcher Avenue Tampa FL, 33612
813-971-1616
American Cash Exchange
8626 North 56Th Street Tampa FL, 33617
813-983-1616
American Money Center
8910 N Dale Mabry Hwy 10 Tampa FL, 33614
813-935-2220
Amscot
1502 East Fletcher Avenue Tampa FL, 33612
813-971-6304
Amscot
8430 North Armenia Avenue Tampa FL, 33604
813-932-4339
Amscot
8409 North Florida Avenue Tampa FL, 33604
813-915-1553
Amscot
7520 West Waters Avenue Tampa FL, 33615
813-901-5155
Amscot
8808 North 56Th Street Tampa FL, 33617
813-868-0035
Amscot
4481 West Gandy Boulevard Tampa FL, 33611
813-835-0735
Amscot
1101 East Hillsborough Avenue Tampa FL, 33604
813-248-4140
AMSCOT
2204 E Hillsborough Ave Tampa FL, 33610
813-237-2144
AMSCOT
2922 N Himes Ave Tampa FL, 33607
813-870-1040
AMSCOT
5002 E Busch Blvd Tampa FL, 33617
813-988-9700
AMSCOT
609 W Kennedy Blvd Tampa FL, 33606
813-259-9420
AMSCOT
1702 N 50th St Tampa FL, 33619
813-248-1522
AMSCOT
8325 Sheldon Rd Tampa FL, 33615
813-889-7788
AMSCOT
8430 N Armenia Ave Tampa FL, 33604
813-932-4339
AMSCOT
1502 E Fletcher Ave Tampa FL, 33612
813-971-6304
AMSCOT
6106 Gunn Hwy Tampa FL, 33625
813-962-4420
AMSCOT
11010 Casey Rd Tampa FL, 33618
813-968-4840
AMSCOT
15211 N Dale Mabry Hwy Tampa FL, 33618
813-269-5900
AMSCOT
11209 N Dale Mabry Hwy Tampa FL, 33618
813-963-3033
AMSCOT
17501 Preserve Walk Ln Ste 106 Tampa FL, 33647
813-977-4530
AMSCOT
20439 Bruce B Downs Blvd Tampa FL, 33647
813-991-1024
AMSCOT
716 N Dale Mabry Hwy Tampa FL, 33609
813-877-2520
AMSCOT
7520 W Waters Ave Tampa FL, 33615
813-901-5155
AMSCOT
4808 E 7th Ave Tampa FL, 33605
813-248-4140
AMSCOT
9501 Anderson Rd Tampa FL, 33634
813-885-7100
AMSCOT
8231 W Hillsborough Ave Tampa FL, 33615
813-888-5518
AMSCOT
1727 E Busch Blvd Ste 110 Tampa FL, 33612
813-936-1680
AMSCOT
5607 E Hillsborough Ave Tampa FL, 33610
813-626-6858
AMSCOT
2301 E Fowler Ave Tampa FL, 33612
813-558-8500
AMSCOT
4061 N Armenia Ave Tampa FL, 33607
813-873-8494
AMSCOT
8409 N Florida Ave Tampa FL, 33604
813-915-1553
AMSCOT
6901 N Armenia Ave Tampa FL, 33604
813-936-1830
AMSCOT
3904 W Hillsborough Ave Tampa FL, 33614
813-414-9392
AMSCOT
7731 Palm River Rd Tampa FL, 33619
800-801-4444
AMSCOT
160 W Fletcher Ave Tampa FL, 33612
813-908-5260
Amscot - Tampa
1101 East Hillsborough Avenue Tampa FL, 33604
813-234-6714
Amscot Corporation
4481 W Gandy Blvd Tampa FL, 33611
813-835-0735
Amscot Corporation
3904 West Hillsborough Avenue Tampa FL, 33614
813-414-9392
AMSCOT CORPORATION
600 N West Shore Blvd Tampa FL, 33609
813-637-6100
AMSCOT TAX SERVICE
722 S Dale Mabry Hwy Tampa FL, 33609
813-637-6274
AMSCOT TAX SERVICE
8312 N Dale Mabry Hwy Tampa FL, 33614
813-886-3124
Ataa Chk Cashing
5205 East Fowler Avenue Tampa FL, 33617
813-985-7816
Automated Business Machines
Tampa Tampa FL, 33612
813-978-8008
Bard & Associates
13014 North Dale Mabry Tampa FL, 33602
813-969-4382
BAY CHECK CASHING
5256 S Dale Mabry Hwy Tampa FL, 33611
813-837-5272
Blue Ribbon Service Center At Larmon Furniture
1324 East 7Th Avenue Tampa FL, 33605
813-248-2292
Buckeye Check Cashing Inc
319 N Dale Mabry Hwy Tampa FL, 33609
813-353-1544
Cash America Pawn
2625 West Hillsborough Avenue Tampa FL, 33614
813-875-1055
Cash Flow Consultants
5118 North 56Th Tampa FL, 33610
813-628-0012
Cash Flow Consultants
5118 North 56Th Street Suite 107 Tampa FL, 33602
813-628-0012
Cash Mobil Express
2708 W Saint Conrad St Tampa FL, 33607
813-870-0238
Cash Money Of Hillsborough
2310 West Waters Avenue Suite F Tampa FL, 33604
813-930-0484
CASH NOW
12811 N Nebraska Ave Tampa FL, 33612
813-514-0516
CASH PLUS INC
7306 W Waters Ave Tampa FL, 33634
813-882-8800
CASH PLUS INC
5003 E Fowler Ave Tampa FL, 33617
813-989-2274
CASH TO GO
14803 N Dale Mabry Hwy Tampa FL, 33618
813-269-8345
CASH TODAY
119 Bullard Pkwy Ste A Tampa FL, 33617
813-988-0308
CASH TODAY
4050 W Kennedy Blvd Tampa FL, 33609
813-289-7999
CASH TODAY
3801 W Gandy Blvd Tampa FL, 33611
813-839-3360
CASH TODAY
7707 W Hillsborough Ave Tampa FL, 33615
813-882-4200
Cb Multi Services
104 E Fowler Ave Ste 207 Tampa FL, 33612
813-915-9409
Char -Pal Cut Rate Liquors & Lounge
3711 East Busch Boulevard Tampa FL, 33612
813-985-4076
Char Pal Cut Rate Lqors Lounge
3711 E Busch Blvd Tampa FL, 33612
813-985-4076
Check Casher Of Tampa Inc
1497 N Nebraska Ave Tampa FL, 33602
813-229-8766
Check Casher Of Tampa Inc
7613 Causeway Blvd Tampa FL, 33619
813-623-2393
Checkcare Systems
6401 Badger Drive Suite 300 Tampa FL, 33610
813-623-6400
Checkpoint
3531 West Waters Avenue Tampa FL, 33614
813-935-4645
Checkpoint East
2602 East Busch Boulevard Tampa FL, 33612
813-935-8677
CHECKSMART
3719 E Busch Blvd Tampa FL, 33612
813-983-9623
Chexpoint Financial Services
Tampa Tampa FL, 33612
813-932-7533
CONIMARK MAIL CENTER
1715 E Fowler Ave Tampa FL, 33612
813-971-1421
CORPORATION AMSCOT
3730 N Tampa St Tampa FL, 33603
813-854-2737
Cps Group Inc.
Tampa Tampa FL, 33624
800-280-2671
Cummins-Allison Corporation
6091 Johns Road Suite 3 Tampa FL, 33634
813-885-9755
Cummins-Allison Corporation
5700 Memorial Highway Suite 101 Tampa FL, 33615
813-885-9755
E Z Check Cashing Of Tampa
8340 North Dale Mabry Hwy Tampa FL, 33614
813-885-6400
ECS ELECTRONIC CASH
6502 N Us Highway 301 Tampa FL, 33610
813-621-7053
FICOHSA EXPRESS FLORIDA
6751 N Armenia Ave Tampa FL, 33604
813-935-7133
First American Cash Advance
2289 East Bearss Avenue Tampa FL, 33613
813-978-0867
Florida Advanced Internet
5226 S Dale Mabry Hwy Tampa FL, 33611
813-837-4754
Gulf Shore Management
8340 N Dale Mabry Hwy Tampa FL, 33614
813-885-6400
Insta-Check Systems Inc
Tampa Tampa FL, 33602
813-226-2701
Mobile Check Cashing
4222 Water Oaks Ln Tampa FL, 33618
813-781-1024
MONA CENTER INC
1515 Fletcher Ave Tampa FL, 33601
813-931-0178
Money Stop
8468 Sheldon Road Tampa FL, 33615
813-249-7500
Money Stop Inc
8468 Sheldon Rd Tampa FL, 33615
813-249-7500
Mr Check Casher
4236 West Waters Avenue # B Tampa FL, 33614
813-886-0626
National Cash Advance
Tampa Tampa FL, 33602
813-654-8293
National Payment Corp Payroll Direct Deposit
100 West Kennedy Boulevard Tampa FL, 33602
800-284-0113
Paycheck Advance
3801 W Gandy Blvd Ste C Tampa FL, 33611
813-839-3360
Payment Center Inc
10013 N Florida Ave Tampa FL, 33612
813-930-9447
Premiere Financial
3837 South Dale Mabry Hwy Tampa FL, 33611
813-832-6160
Pronto Check Cashing
W 3260 Hillsborough Ave Tampa FL, 33614
813-874-2363
Quest
Tampa Tampa FL, 33602
813-930-0861
QUEST
8115 N 11th St Tampa FL, 33604
813-930-0861
Quick Cash Check Cashing
3115 West Columbus Drive Tampa FL, 33607
813-875-2274
Quick Cash Check Cashing Inc
4815 E Busch Blvd Ste 114 Tampa FL, 33617
813-988-6161
Quick Cash Check Cashing Inc
3115 W Columbus Dr Tampa FL, 33607
813-875-2274
Quick Cash Check Cashing Inc
4815 East Busch Boulevard Suite 114 Tampa FL, 33617
813-988-6161
QUICK CASH CHECK CASHING INC
4815 E Busch Blvd Tampa FL, 33617
813-988-6161
SIESTA CHECKS & MORE LLC
13055 W Linebaugh Ave Tampa FL, 33626
813-814-1199
Tampa Investment Services Inc
7707 West Hillsborough Avenue Tampa FL, 33615
813-882-4200
Tampa Investment Services Inc
3801 West Gandy Boulevard Tampa FL, 33611
813-839-3360
Tampa Investment Services Inc
2525 East Hillsborough Avenue Suite 121 Tampa FL, 33610
813-232-3810
TAMPA INVESTMENT SERVICES INCO
7707 W Hillsborough Ave Ste A Tampa FL, 33615
813-882-4200
TAMPA INVESTMENT SERVICES INCO
3634 W Gandy Blvd Tampa FL, 33611
813-839-3360
TAMPA MOBILE OFFICE
5607 Johns Rd Ste 1004 Tampa FL, 33634
813-890-9140
Tampa Palms Financial Service
3531 W Waters Ave Tampa FL, 33614
813-935-4645
THE CASH CONNECTION
7729 Palm River Rd Tampa FL, 33619
813-740-8661
The Check Casher & Financial Center
7613 Causeway Boulevard Tampa FL, 33619
813-223-2903
The Check Casher & Financial Center
1497 North Nebraska Avenue Tampa FL, 33602
813-223-2903
The Check Casher Of Tampa Inc.
1497 N. Nebraska Avenue Tampa FL, 33602
813-229-8766
The Check Casher Of Tampa, Inc.
7613 East Causeway Boulevard Tampa FL, 33619
813-623-2393
The Check Cashing Store
14913 Bruce B Downs Blvd #407 Tampa FL, 33613
813-683-3395
The Check Cashing Store
5105 E Fowler Ave Tampa FL, 33617
813-683-3400
Urgent Office
4050 W Kennedy Blvd Ste B Tampa FL, 33609
813-289-7999
Usa Checks Cashed
4058 North Armenia Avenue Tampa FL, 33607
813-873-2274
USA CHECKS CASHED
4058 N Armenia Ave Ste 104 Tampa FL, 33607
813-873-2274
Western Union
1497 North Nebraska Avenue Tampa FL, 33602
813-229-8766

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