Perhaps you’ve heard the term Payday Loan but have never used the service. At Amscot, we call it a Cash Advance* and for good reason. Here, every approved Cash Advance customer can leave the branch with cash!
You could walk out with up to $500 to cover unexpected expenses.
Why use an Amscot Cash Advance (Payday Loan) to help you manage your money? Many people in St Petersburg find it to be an effective cash management tool. Not only is a Cash Advance fast and convenient, it often costs less than late fees on an overdue bill! We’ve provided some links below for more information. Or, you can simply click the "Get Started" button!
Life is busy enough in St Petersburg. The least we can do is simplify things.
- No credit checks.
- Our fast approval process values your time.
- We charge some of the lowest Payday Loan fees in the industry. View APR/Fee Schedule.
- We’re open 365 days a year, and some locations are open 24 hours!
- Amscot is licensed by OFR, and regulated by state and federal laws.
Is getting a payday loan a complicated process? Never at Amscot!
Our Cash Advance (payday loan) application is short and simple. Once you sign an agreement for your payday loan, you’ll write us a check for the amount plus the fee. Then we’ll give you cash on the spot, holding your check until your next payday when repayment comes due. The good news? Amscot charges a flat, one-time fee, and it’s one of the lowest payday loan fees in the industry. Learn more about Cash Advances / Payday Loans here.
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.
A full menu of convenient financial services ... all under one roof!
All it takes is one visit to Amscot and you’ll see why we’re called The Money Superstore®. You can cash checks. Pay bills electronically. Wire money. You can get free, unlimited money orders. 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. Want to get something notarized? No worries. We staff each location with a full-time notary! Plus, each branch is open 365 days a year, from early in the morning to late at night – and some locations are open 24 hours a day.
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.