People everywhere, including those who live in Valrico, have heard the term Payday Loan. Here at Amscot, we call it an Amscot Cash Advance* and for a very good reason. While some providers give you a check you’ll have to cash elsewhere, our approved Cash Advance customers walk out with cash in their hands! It doesn’t get more convenient than that.
You could get up to $500 in minutes. No hassles. No credit checks.
What makes an Amscot Cash Advance (Payday Loan) a smart financial tool? Not only is it fast and convenient, our service often costs less than late fees on an overdue bill. Below are some links to help you make a decision on what’s right for you. Or, simply click the "Get Started" button on this page.
If you live in Valrico, see why your neighbors choose Amscot Cash Advance!
- There’s no Credit Check.
- Our approval process is quick, and you can walk out with real cash.
- We charge less. In fact, Amscot has some of the lowest Payday Loan fees in the industry. View APR/Fee Schedule.
- We’re there when you need us, 365 days a year, and some locations are open 24 hours.
- Amscot is licensed by OFR, and regulated by state and federal laws.
Here's how it works.
Simply fill out our short Cash Advance application, sign an agreement, and write us a check for the payday loan amount plus the fee. We’ll give you cash on the spot and hold on to your check until your next payday when you’re due to repay. How much does this service cost? Amscot charges a flat, one-time fee, and it’s one of the lowest payday loan fees in the industry. Learn more about Payday Loans.
Compare the savings! Amscot Cash Advance vs a bounced check.
Amscot Cash Advance
Fee: $12.00. $12.00 fee equals 10% of the amount advanced plus a $2.00 verification fee per transaction.
Fee: $54.00. Source: CFSA 2006 National Fee Survey from National Data on Short-Term Credit Alternatives. See cfsa.com for more information.
Annual Percentage Rate (APR) for the cash advance example is 312.86% assuming a 14 day hold period.
Amscot offers more than just Payday Loans ... a whole lot more.
We’re called The Money Superstore® for a reason. In addition to an Amscot Cash Advance (payday loan), you’ll find an extensive menu of convenient financial services. Check cashing. Free money orders. You can pay your bills electronically. Wire money. Send a fax. Make copies. Buy stamps. And use a well-lit, accessible ATM inside the branch. You can even obtain and load an Amscot Prepaid Mastercard. Need something notarized? No problem! Each branch has a notary on-hand 365 days a year, early to late – and we even have 24-hour locations for added convenience.
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.
*You must be 18 years or older, a Florida resident, and you cannot have any outstanding cash advances with Amscot or any other provider. Some restrictions apply. Getting started online by clicking the Get Started Now button does not constitute an online application, to apply you must come into an Amscot branch location. If your check is dishonored a return check fee and non-sufficient funds fees may apply. As a member of CFSA, Amscot abides by the Fair Debt Collection Practices Act, as applicable, to collect past due accounts. Non-payment does not affect your credit score. Amscot does not offer automatic renewals. APR 271.14% to 365.00%. APR example provided is representative range based on a fourteen (14) day hold period with one payment. Amscot is licensed by the Office of Financial Regulation pursuant to Florida law governing Money Service Businesses. CUSTOMER NOTICE: There are a wide variety of loan products available in the marketplace, so your choice of lending products should match your financial needs. Small-dollar loans used over a long period of time can be expensive.