PayCheckATM maintains a policy of providing consumers with the information and knowledge necessary to make informed, responsible loan decisions.
PayCheckATM licensed vendors undertake all collection activity in strict compliance with the provisions of the Federal Fair Debt Collection Practices Act enforced by the Federal Trade Commission. PayCheckATM licensed vendors follow all applicable laws, rules, and regulations. Applicable provisions of the Fair Debt Collection Practices Act prohibit the following:
Contacting consumers by telephone before 8 a.m. or after 9 p.m.
Contacting consumers by phone with the intent to annoy, harass, etc., or using abusive language at anytime.
Collecting debt through deception or misrepresentation.
Threatening legal recourse when no legal action is intended.
PayCheckATM licensed vendors promote the informed use of Consumer credit by rigidly adhering to Federal regulations requiring Disclosures about loan terms and costs. Before consumers assume any obligation they will be presented, in writing, with the exact rates, fees, and other details of their payday loan as required under Federal Law.
In addition to Federal regulations, Florida also has numerous laws regulating Florida payday loan deferred presentment transactions. These laws include, but are not limited to, regulations regarding interest rates, rollover limits, fees, charges and terms. For more details on Florida payday loan deferred presentment law, view the Florida Office of Financial Regulations website below.
Florida Office of Financial Regulations Division of Securities and Finance 200 E. Gaines Street Tallahassee, FL 32399 Phone: (850) 410-9805 Fax: (850) 410-9748 Website: Florida Office of Financial Regulations
Reference: Florida Statute 560.401 et seq.
Submitting your payday loan inquiry on this website incurs absolutely no obligation. PayCheckATM is not a lender and does not provide lending services directly to consumers. Based on the inquiry you submit, a PayCheckATM customer service representative will call you to discuss your payday loan needs. You will never be charged any fees by PayCheckATM. Viewing the results of your search for prospective licensed payday vendors is free of charge.
As noted above, Federal Law requires disclosures about the terms and cost of consumer credit. All rate and fee information will be disclosed to you by PayCheckATM at the location before you sign any agreement. You can also view an example of our Rates and Fees by clicking this link. Please review all the rate information provided to you by our customer service representative thoroughly and completely before signing any agreement. You are under no obligation to accept the terms provided by PayCheckATM licensed vendors.
Should an unexpected emergency arise which prevents you from making your payment on time, our loan representatives at PayCheckATM licensed vendors are trained to work with you on establishing payment arrangements in accordance with state regulations.
PayCheckATM licensed vendor representatives are highly trained to work with you to establish payment arrangements in accordance with state regulations to allow you to fulfill your payday loan obligations. If you do not pay your loan in full on the due date, your check may be presented for payment or, if applicable, funds may be deducted by electronic transfer from your bank account if you executed the optional electronic fund transfer authorization on your loan agreement.
Renewals and extensions are governed by applicable State regulations and may not be permitted in all States. Read your loan agreement for exact terms and conditions.
There exists a common misconception that a poor credit history may result in a higher interest rate for payday loans. With PayCheckATM in most cases your credit score does not affect the interest rate, fees or charges determined for a payday loan. Laws vary from state to state on this issue. Please speak with a branch representative for more information on whether a credit check is required to obtain a payday loan in your state.
Non-Discrimination Policy: In accordance with federal law, this institution prohibits and does not tolerate discrimination towards applicants, prospective applicants, individuals with whom an applicant is affiliated, or customers on the basis of race, color, religion, national origin, sex, age, marital status, public-assistance status, exercise of rights under the Consumer Credit Protection Act, or other protected classification. This policy applies throughout the loan process, from prequalification to application, underwriting, closing, funding and servicing. For more information, please call the Compliance Department at 770.552.9840.
PayCheckATM offers payday loans as an easy way to get more cash with more time to pay it back. Get $100 - $1,200 in-store with convenient monthly payments.