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Best Payday Lenders in Fort Myers, FL

Aug. 26, 2019, 5:03 p.m.

When you need cash quickly and can’t afford to wait until your next check, sometimes a payday loan is the only way to go. In this type of short-term, unsecured loan, the lender essentially gives the borrower an advance on an upcoming paycheck in exchange for principal plus a high fee. To help you understand these loans and find a respectable lender, our partners at ConsumerAffairs researched the best payday loans in Fort Myers.

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#1
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CashNetUSA

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CashNetUSA
CashNetUSA
Features
  • Loans up to $500
  • Helped over 3 million customers
  • Perfect credit not required
  • Available in Fort Myers
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#2
Fast Payday Loans
Fast Payday Loans
Features
  • Fast approval
  • No credit check
  • Same-day cash
  • Friendly store associates
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Location
2940 Cleveland Ave.
Fort Myers, FL 33901
(239) 334-2970
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#3
The Check Cashing Store
The Check Cashing Store
Features
  • Apply online or in store
  • Same-day cash
  • In business over 30 years
  • Multiple locations in Fort Myers area
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Location
4455 Cleveland Ave.
Fort Myers, FL 33901
(239) 278-5656
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Advance America
Advance America
Features
  • M-Sat: 9am - 7pm
  • Closed Sun
  • advanceamerica.net
Location
3244 Cleveland Ave.
Fort Myers, FL 33901
(239) 278-5028
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Check 'n Go
Check 'n Go
Features
  • M-Sat: 10am - 6pm
  • Closed Sun
  • checkngo.com
Location
4460F Cleveland Ave.
Fort Myers, FL 33901
(239) 656-4444
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The Money Stop Center
The Money Stop Center
Features
  • M-F: 10am - 5pm
  • Sat: 9am - 12pm
  • Closed Sun
  • paydayloanfortmyers.com/index.html
Location
4120 Cleveland Ave., Ste. B-2
Fort Myers, FL 33901
(239) 243-8641
Get matched today

How to get a payday loan in Fort Myers

Fort Myers Skyline

Payday loans have high fees with lender rates upward of 400 percent. That’s why it’s recommended to always consider less-expensive alternatives first, such as borrowing from a credit union, asking creditors for extensions or seeking loans from family or friends.

If these aren’t practical options, payday loans do have appealing features. It’s easy to apply and qualify — even with poor credit — and the money has no restrictions. Cash is sometimes available on the same day, even if you apply online. If you go into a payday loans company in Fort Myers, you could walk out with hundreds of dollars within minutes.

Payday loans in Fort Myers are regulated by the Florida Office of Financial Regulation. The following rules apply:

  • Borrowers can get up to $500 per loan.
  • Borrowers can have only one loan at a time.
  • The maximum fee is 10 percent of the borrowed amount plus a $5 verification fee.
  • The loan term must be between seven and 31 days.
  • Loans cannot be rolled over into new loans; a borrower must pay a previous loan in full and wait 24 hours before entering into a new loan.

There are both online-only payday loan lenders and companies that have a physical presence in Fort Myers. Payday loan requirements include a government-issued ID, proof of income and an open and active checking account.

When looking at lenders in Fort Myers, start by comparison shopping for low-interest rate payday loans with minimum penalties. You should only borrow what you can afford to pay back. Still, if at the end of the term you are unable to repay the loan, the lender must offer a 60-day grace period with no additional charges, as long as you make an appointment with a credit counselor. You can’t be arrested for defaulting on a payday loan in Fort Myers.

CashNetUSA

CashNetUSA VISIT WEBSITE

CashNetUSA is an online lender offering same-business-day payday loans in Fort Myers. Over 3 million customers have borrowed from CashNetUSA since 2004. An in-house customer service team is available seven days a week to answer questions. The company also provides a savings program and financial education courses. Many customers give CashNetUSA five-star reviews and recommend it for payday loans.

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Fast Payday Loans

Fast Payday Loans

Fort Myers residents needing a payday loan up to $500 can get competitive rates with Fast Payday Loans. The simple application starts online and finishes at one of Fast Payday Loans’ area locations. All you need is a state-issued ID, a blank check from an active checking account and your most recent pay stub. Fort Myers reviewers say the staff is exceptional and the lending process is fast.

The Check Cashing Store

The Check Cashing Store

The Check Cashing Store is a trusted Florida company with over three decades of lending experience. Customers can apply for a payday loan online or in person and get same-day cash. Multiple locations are available for Fort Myers-area residents. Reviewers say getting a payday loan between $100 and $500 from The Check Cashing Store is effortless and takes little time.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.