If you’re trying to learn more about Payday Loans in Lakeland to see if it’s the right financial option for you, you’ve come to the right place! At Amscot, we call a Payday Loan an “Amscot Cash Advance*.” Why? Because at Amscot, our approved cash advance customers leave the branch with cash!

You could get a Cash Advance up to $500 in minutes with no credit checks!**

An Amscot Cash Advance (Payday Loan) is fast, convenient and often times less than late fees on an overdue bill. Below are some helpful links if you’d like to learn more or simply get started.

Why do our customers in Lakeland choose an Amscot Cash Advance?

  • No Credit Checks.**
  • Fast approval process with cash in hand in minutes.
  • Some of the lowest Payday Loan fees in the industry.  View APR/Fee Schedule.
  • Open 365 days a year with many 24-hour locations.
  • Amscot is licensed by OFR, and regulated by state and federal laws. 
Payday Loans

How our cash advance process works...

Complete a short application, sign an agreement, and write a check for the payday loan amount plus the fee. Receive cash on the spot and we will hold your check until your next payday when you’re due to repay. Amscot charges a flat, one-time fee for its service. Get more information about Amscot Cash Advance.

Amscot cash advance versus alternatives chart

Amscot cash advance versus alternatives chart

For a $100 cash advance, the fee at Amscot is $12.00. The fee is equivalent to 10% of the amount advanced, plus a $2.00 verification fee per transaction. Annual Percentage Rate (APR) for the $100 cash advance example is 312.86% assuming a 14 day hold period. Chart Sources: CFPB CARD Act Report, 2013; CFPB Study of Overdraft Programs, 2013; Readex Research National Data on Short-Term Credit Alternatives, 2006; Bankrate.com Checking Account Survey, 2014; Moebs Services, 2012.

What makes us The Money Superstore®?

Amscot – The Money Superstore provides a wide variety of financial services to its customers including check cashing, free money orders, and cash advances (also known as a payday loan). In addition, you may also obtain and load an Amscot Prepaid Mastercard, pay your bills electronically, wire money, send a fax, make copies, buy stamps, and use a well-lit, accessible ATM inside the branch. Amscot even provides convenient notary services. Each branch is open 7 days a week from early in the morning to late at night - with many 24-hour locations to serve you.


Amscot is regulated by state and federal laws. We operate only in Florida, a state with some of the strictest consumer-protection laws in the United States and have many convenient locations to serve you. Amscot is a member of and adheres to the "Best Practices" of the Community Financial Services Association of America ("CFSA"). Pursuant to a provision of the federal law and as a member of the CFSA, Amscot cannot offer you a cash advance if you are an active member of the military or his/her spouse or dependent. For more information related to this law please click here.