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Florida Rates and Terms

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Florida Payday Loan Terms

Our short-term payday loans put a cash deposit directly into your checking account. In general, the due date of your loan is tied to your next pay date. See HOW YOUR DUE DATE IS DETERMINED below for details. When your loan is due, we automatically access your checking account via an authorized electronic withdrawal or, if you have provided it, the debit card associated with your checking account. For alternative repayment options, please contact us.

Representative Example of Payday Loan Fees:

A 17 day Payday Loan of $300.00 has an APR of 250.49% and a finance charge of $35.00.

To view additional examples of payday loan fees, select a loan amount and duration from the drop-down menus below. Your results will be shown below once you select a loan amount, duration, and click the ‘Submit’ button.

 
day Payday Loan of has an APR of %. Finance Charge: .

To view a specific payday loan example, select loan amount and duration. Terms will be shown here when you click the 'Submit' button.

This payday loan fee calculator is only for illustrative purposes and provides an example of a typical payday loan we offer to qualified applicants. If approved, the specific rates and terms of your loan agreement will depend on your qualifications.

Fees for a Payday loan are $10 per $100 and a $5 verification fee.

To apply for a Cash Central/CCF payday loan, fill out a new customer application. If you have questions about your loan eligibility, learn more about how a payday loan works, or contact us at 1-800-460-4305. Once you have been approved, sign in at the customer page and submit your request for a payday loan.

A single payday loan is typically two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive. Payday loans are not recommended as long-term financial solutions.

How your due date is determined:

The term of these payday loans is 7-28 days. The system will set your loan due date to coincide with your next payday, unless your next payday is less than 7 days away. If you need a different due date, please call 1-800-460-4305 for assistance. Whenever possible, we suggest making your loan due date on your next payday.

Repayment Options:

When your loan is due we will automatically withdraw the total amount due from your checking account via an authorized electronic withdrawal or, if you’ve provided it, the debit card associated with your checking account. If you need an alternative method of payment, please call 1-800-460-4305. Please remember that if you cannot repay your loan in full on its due date, you should contact us one banking day before your loan is due. Refinances are not allowed in Florida.

An insufficient funds fee of $30.00 may be charged if the face value of the check/item is greater than $50.00; or $40.00 if the face value of the check/item is greater than $300.00.

If at the end of the loan term you are unable to pay the loan in full, you are provided a 60-day grace period without additional charge. The grace period is dependent upon you making an appointment with a Florida state approved Consumer Credit Counseling Service within 7 days and completing the counseling within the 60-day grace period. To obtain the Grace Period you must request it prior to your due date by 7:45 PM EST by contacting us at: 1-800-460-4305

Florida law requires a mandatory 24-hour cooling-off period after the loan is paid before a new loan may be taken.

Cash Central/CCF offers extended payment plans. For more information, visit our FAQ.

ACH/EFT Authorization:

Your online agreement will be governed by the laws and regulations of the state of Florida. If your authorized ACH debit is returned for any reason you agree to the following:

  • You are authorizing us to initiate electronic debits to your account in the amounts up to or less than the amount owed until the amount owed is paid in full. Your authorization shall remain in effect until we have received written notice of its termination. We must also have had a reasonable opportunity to act on this authorization.
If you have questions or concerns regarding your Cash Central/CCF loan, please contact us by calling 1-800-460-4305 or by sending us an email at customerservice@cashcentral.com.