Jacksonville Payday Loans – Applying for a Safe Payday Advance


Your bills are mounting, and payday is still in the distance, and you can’t help but wonder if you should get a payday loan to get by.

While Jacksonville payday loans are legal, they are not recommended. With an average APR of 278% and the full balance due in two to four weeks, you will have a hard time bouncing back after the loan. Consider other alternatives, so you don’t get stuck in the payday loan trap. 

How to Get a Cash Advance in Jacksonville

High-interest payday loans are far from your only option in Jacksonville. In fact, you can access safe and affordable advances on your paycheck right from your phone today. 


Max Advance Amount: $250

APR: 0%

Credit Affects: None

You might think you have to get a high-interest payday loan if you’re short on cash, especially if you don’t have excellent credit. However, Instacash from MoneyLion offers up to $250 without any interest, and you don’t have to pass a credit check. You just need to use a RoarMoney account or link your eternal bank account to MoneyLion. Then, request the funds you need and get them deposited into your account. 

Do you need them immediately? You can get cash deposited in real-time when you pay for Turbo delivery. If you can wait a few days, your money can get deposited with regular delivery at 0% APR. 

When your next pay period rolls around, we’ll withdraw what you borrowed without any fees.

How to Qualify: 

  • Be 18 years of age or older.
  • Have a bank account with a positive balance and a history of steady income or deposits. 
  • Have an active bank account that’s been open for at least 60 days. 

Jacksonville Payday Loans

There are plenty of “get cash now” stores all around Jacksonville. While these lenders might advertise as an easy and cheap way to get funds, you should always avoid them. Once you read through the loan terms and quick payment turnaround, you could find yourself paying 372% APR on a small loan. 

Max Payday Loan Amount: $500 

APR: Average of 372% 

Credit Affects: Payday loans don’t increase your credit score. They can lower your score if you miss payments, though.

Jacksonville payday loans are available throughout the city. You can stop into a loan provider’s establishment and apply on the spot. You will need to bring your checkbook, pay stubs, employer contact information, and proof of address. The payday lender might ask for additional information, as well, such as proof of address.

There are few rules in place that govern Jacksonville payday loans. When you receive the loan terms, you might notice that the APR is 372%, and you have to repay the full amount in two weeks. You also might notice that the company will continue to try to debit the amount you owe if it’s not in your bank, leading to additional fees. The unfavorable terms make Jacksonville payday loans a poor choice.

How to Qualify: 

  • Have an active checking account. 
  • Show proof of income. 
  • Show proof of employment. 
  • Provide an electronic debit authorization or post-dated check. 

Instant Online Loan Options in Jacksonville 

You can improve your credit score while accessing funds with a Credit Builder Loan. 

Credit Builder Loan

Loan Amount: You could qualify for up to $1,000

Credit Affects: The average Credit Builder Loan user can boost their credit score by 60 points in 60 days!

Monthly Membership: $19.99/month

Instead of using fast cash to put out an immediate financial fire, rebuild your credit while getting the cash you need with a Credit Builder Loan. With a competitive APR and easy repayment schedule, you won’t get stuck in a debt cycle with this loan, and you’ll even build savings.

You can borrow up to $1,000 with the Credit Builder Loan, and while some of the funds are immediately dispersed, the rest goes into a Credit Reserve Account. Think of it as a savings account, accruing interest as you repay it. Then, when you make your final payment, you’ll get to access the savings account. 

How to Qualify:

  • Be at least 18 years of age and a U.S. citizen or legal permanent resident 
  • Have a valid social security number
  • Have a checking account you can use to make your payments 

What’s Included?

  • A loan of up to $1,000 that you’ll repay with 12 monthly payments 
  • Weekly credit monitoring service to help you stay on top of your credit
  • A Credit Reserve Account that builds interest throughout the life of your loan
  • Payments are reported to credit bureaus, so you can increase your score by 60 points in 60 days
  • Access to additional Instacash benefits

Comparing Your Cash Advance Loan Options in Jacksonville

Compare Instacash, the Credit Builder Loan, and Jacksonville pay day loans to see which one is right for your needs. 

InstacashCredit Builder LoanIn-Person Payday Lender
How Much Can You Borrow?$250$1,000Up to $500
Fees & Interest– Free
– 0% APR
Competitive APR, $19.99/month feeAverage APR of 372%
Impacts Your Credit?NoYes, it builds your credit scoreNot unless late payments are made
Availability– Mobile device
– Apply any time
– Mobile device
– Apply any time
In-person during business hours  
Wait TimeInstantly*InstantlyIt depends on the banking institution that accepts the deposit  
Next StepsSign UpSign Up

Avoid the Debt Cycle 

If you get one of the Jacksonville payday loans, you’re likely to fall into the debt cycle. 

Fortunately, you can make smart financial decisions by taking out Instacash or a Credit Builder Loan. 
Do you want even more out of MoneyLion? Open a RoarMoney bank account. Use the account to access weekly spend reports. You can even use it to get paid up to two days early when you add direct deposit.

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Fast, interest-free advances anytime

Get Instacash advances up to $500 for everyday expenses or life’s surprises. There’s no credit check, no monthly fee, and no interest.

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