Payday Loans Florida (Online or in Store Near You)

If you are searching for payday loans in Florida, then you’ve come to the right place.

Our directory of payday lenders in the state will help you find reputable and licensed loan providers, many of who allow you to apply quickly online.

Loans for any reason ($100 - $35,000):

Secured with SHA-256 Encryption

If you are an employed adult residing in Florida, then you can also use our tool to request a loan and we’ll attempt to connect you with one of these lenders in a matter of minutes.

What are the laws for payday loans in Florida?

Payday loans in Florida are regulated by the state under the Fl. Stat. Ann. § 560.402 et seq. and Rule 69V-560.901-912. Lenders also need to be licensed to issue payday loans as per Fl. Stat. Ann. § 560.402 et seq.

Payday loans provide a safe and secure mode of borrowing for those facing temporary financial hiccups.

This type of loan is intended to bridge the gap in your monthly budget until you next get paid, which is ideal if you are faced with an unforeseen bill, need to get something fixed or you want to make an upfront purchase but don’t have any savings.

For many people, particularly those with bad credit who don’t have access to credit cards or loan products from the banks, a payday loan is one of their only options if they want to borrow money.

Did you know? Florida often refers to payday loans as Differed Presentment Transactions.

How much can I borrow in Florida?

In Florida, the state limits the maximum amount that can be issued as a payday loan to $500, which means people only use it for the intended purpose. If you need a larger amount you should consider installment loans or personal loans, which are repaid over several months in installments.

Payday loans are intended to be repaid in one lump sum after your next paycheck arrives, which is why you should only borrow small amounts that you can easily cover with your wages.

The loan period can range between 7 and 31 days, depending on your payday and the individual policies of the lender.

How much does a payday loan cost?

The cost of a payday loan will vary based on the amount you borrow and the policies of the lender. However, Florida state law sets a 304% interest rate limit (APR).

Typically, borrowers will only see a single finance charge, since the loan is supposed to be repaid in one lump sum, but this is still based on the underlying interest rate. This charge cannot exceed 10% for every $100, plus a $5 verification fee.

For example, if you borrowed $400, this should cost you no more than $45 if you repay on the agreed date. If you fail to do this, you will then start to accrue further interest (as per the APR) for the time the loan is outstanding.

In Florida, lenders are not permitted to ‘extend’, ‘renew’, or ‘rollover’ loans. You must also wait 24 hours after repaying a payday loan to apply for a new one.

Online payday loans in Florida

In Florida, residents have two options if they are hunting for a payday loan. They can go to a payday loan storefront and apply in person or they can apply online.

An increasing number are turning to the online method because it is fast and easy and you don’t have to waste time traveling to the location, waiting in line, and filling out physical paperwork.

As long as you have access to digital documents that you can attach to your application, the entire process can be done online.

What’s more, if you apply during the working week most lenders will be able to deposit the money in as fast as one working day.

Borrowing online is still safe as long as the lender is licensed to lend in Florida. You will be given a full copy of the terms and conditions before digitally signing the agreement, so you’ll know exactly how much the loan will cost and when it is due to be repaid.

All of the lenders in our directory have been vetted to check that they are licensed in Florida. Furthermore, we can take the hassle out of applying one-by-one via our simple loan connection tool.

By providing some basic details and choosing a loan amount up to $500, we can pass your details among the lenders to try and match you in a matter of minutes.

Look out for lenders that make false promises, such as ‘instant approval’ or ‘no credit check’. While applying online is fast, it’s never instant or guaranteed. Likewise, while those with bad credit are commonly approved for payday loans online in Florida, the lender will still carry out some form of credit check to verify your identity to assess your creditworthiness.

Loans for any reason ($100 - $35,000):

Secured with SHA-256 Encryption

Florida payday loan requirements

Luckily, Floridians do not have to jump through hoops to be eligible for a payday loan.

All you need is to be over the age of 18 and a legal resident of the state. You must also be able to prove that you are employed or otherwise making at least $1,000 a month in the stable income.

You will also need a bank with basic checking facilities for the money to be deposited quickly and the repayment taken on the agreed date.

Other than that, you are free to apply online or at the lending store right away.

Consumer information

If the borrower is unable to make the repayment no collateral can be seized as payday loans are unsecured in Florida.

Likewise, defaulting on a payday loan is a civil, not a criminal matter so you cannot face criminal procedures.

However, failing to repay will still damage your credit score and lenders will still go through collection proceedings to try and recover the money, such as emails, letters, phone calls, and doorstep visits.

You could also face added fees and interest as per the terms and conditions of the loan.

Alternatives to payday loans

If you’re in Florida and need cash quickly, a payday loan is not your only option. If credit cards and savings are not an option, you can still get personal loans and installment loans from dedicated lenders outside of the banks.

These are better options if you need to borrow more than $500 and want the breathing room to repay in installments over the longer term. Like payday loans, lenders now also provide these online to Florida residents.

Select Your City:

Alachua
Alford
Altamonte Springs
Altha
Altoona
Alturas
Alva
Anna Maria
Anthony
Apalachicola
Apollo Beach
Apopka
Arcadia
Archer
Argyle
Aripeka
Astatula
Astor
Atlantic Beach
Auburndale
Avon Park
Babson Park
Bagdad
Baker
Balm
Barberville
Bartow
Bascom
Bay Pines
Bell
Belle Glade
Belleair Beach
Belleview
Beverly Hills
Big Pine Key
Blountstown
Boca Grande
Boca Raton
Bokeelia
Bonifay
Bonita Springs
Bostwick
Bowling Green
Boynton Beach
Bradenton
Bradenton Beach
Bradley
Brandon
Branford
Bristol
Bronson
Brooker
Brooksville
Bryant
Bryceville
Bunnell
Bushnell
Callahan
Campbellton
Canal Point
Candler
Cantonment
Cape Canaveral
Cape Coral
Captiva
Carrabelle
Caryville
Cassadaga
Casselberry
Cedar Key
Center Hill
Century
Chattahoochee
Chiefland
Chipley
Chokoloskee
Christmas
Citra
Citrus Ridge
Clarcona
Clarksville
Clearwater
Clearwater Beach
Clermont
Clewiston
Cocoa
Cocoa Beach
Coleman
Copeland
Coral Springs
Cortez
Cottondale
Crawfordville
Crescent City
Crestview
Cross City
Crystal Beach
Crystal River
Crystal Springs
Cypress
Dade City
Dania
Davenport
Day
Daytona Beach
De Leon Springs
Debary
Deerfield Beach
Defuniak Springs
Deland
Delray Beach
Deltona
Destin
Doctors Inlet
Dover
Dundee
Dunedin
Dunnellon
Durant
Eagle Lake
Earleton
East Palatka
Eastlake Weir
Eastpoint
Eaton Park
Ebro
Edgewater
Eglin Afb
Elfers
Elkton
Ellenton
Englewood
Estero
Eustis
Everglades City
Evinston
Fairfield
Fedhaven
Felda
Fellsmere
Fernandina Beach
Ferndale
Flagler Beach
Fleming Island
Florahome
Floral City
Florida City
Fort Lauderdale
Fort Mc Coy
Fort Mccoy
Fort Meade
Fort Myers
Fort Myers Beach
Fort Ogden
Fort Pierce
Fort Walton Beach
Fort White
Fountain
Freeport
Frostproof
Fruitland Park
Gainesville
Geneva
Georgetown
Gibsonton
Glen Saint Mary
Glenwood
Goldenrod
Gonzalez
Goodland
Gotha
Graceville
Graham
Grand Island
Grand Ridge
Grandin
Grant
Green Cove Springs
Greensboro
Greenville
Greenwood
Gretna
Grove City
Groveland
Gulf Breeze
Gulf Hammock
Haines City
Hallandale
Hampton
Harold
Hastings
Havana
Hawthorne
Heathrow
Hernando
Hialeah
High Springs
Highland City
Highland Park
Hilliard
Hobe Sound
Holder
Holiday
Hollister
Hollywood
Holmes Beach
Holt
Homeland
Homestead
Homosassa
Homosassa Springs
Horseshoe Beach
Hosford
Howey In The Hills
Hudson
Hunters Creek
Hurlburt Field
Immokalee
Indialantic
Indian Lake Estates
Indian Rocks Beach
Indiantown
Inglis
Inlet Beach
Intercession City
Interlachen
Inverness
Islamorada
Island Grove
Istachatta
Jacksonville
Jacksonville Beach
Jasper
Jay
Jennings
Jensen Beach
Jupiter
Kathleen
Kenansville
Key Biscayne
Key Colony Beach
Key Largo
Key West
Keystone Heights
Killarney
Kinard
Kissimmee
La Crosse
Labelle
Lacoochee
Lady Lake
Lake Alfred
Lake Butler
Lake Butter
Lake City
Lake Como
Lake Geneva
Lake Hamilton
Lake Harbor
Lake Helen
Lake Lucerne
Lake Mary
Lake Monroe
Lake Panasoffkee
Lake Placid
Lake Wales
Lake Worth
Lake Worth Beach
Lakeland
Lakeshore
Lamont
Lanark Village
Land O’ Lakes
Lantana
Largo
Laurel
Laurel Hill
Lawtey
Lecanto
Lee
Leesburg
Lehigh Acres
Lithia
Live Oak
Lloyd
Lochloosa
Long Key
Longboat Key
Longwood
Lorida
Loughman
Lowell
Loxahatchee
Lulu
Lutz
Lynn Haven
Macclenny
Madison
Maitland
Malabar
Malone
Manasota
Mango
Marathon
Marathon Shores
Marco Island
Marianna
Mary Esther
Mascotte
Mayo
Mc Alpin
Mc David
Mc Intosh
Mcalpin
Mcdavid
Mcintosh
Melbourne
Melbourne Beach
Melrose
Memphis
Merritt Island
Mexico Beach
Miami
Miami Beach
Miami Gardens
Micanopy
Miccosukee Cpo
Mid Florida
Middleburg
Midway
Milligan
Milton
Mims
Minneola
Miramar Beach
Molino
Monticello
Montverde
Moore Haven
Morriston
Mossy Head
Mount Dora
Mount Pleasant
Mulberry
Murdock
Myakka City
Myrtle Grove
Nalcrest
Naples
Navarre
Neptune Beach
New Port Richey
New Smyrna Beach
Newberry
Niceville
Nichols
Nobleton
Nocatee
Nokomis
Noma
North Fort Myers
North Miami Beach
North Palm Beach
North Port
O Brien
Oak Hill
Oakland
Ocala
Ochopee
Ocklawaha
Ocoee
Odessa
Okahumpka
Okeechobee
Old Town
Oldsmar
Olustee
Ona
Oneco
Opa Locka
Orange City
Orange Lake
Orange Park
Orange Springs
Orlando
Ormond Beach
Osprey
Osteen
Otter Creek
Oviedo
Oxford
Ozona
Pahokee
Paisley
Palatka
Palm Bay
Palm Beach
Palm Beach Gardens
Palm City
Palm Coast
Palm Harbor
Palm River
Palm Valley
Palmdale
Palmetto
Panacea
Panama City
Panama City Beach
Parrish
Patrick Afb
Paxton
Pembroke Pines
Penney Farms
Pensacola
Perry
Pierson
Pine Island Ridge
Pine Ridge
Pineland
Pinellas Park
Pinetta
Placida
Plant City
Plymouth
Point Washington
Polk City
Pomona Park
Pompano Beach
Ponce De Leon
Ponte Vedra
Ponte Vedra Beach
Port Charlotte
Port Orange
Port Richey
Port Saint Joe
Port Saint Lucie
Port Salerno
Port St. Lucie
Punta Gorda
Putnam Hall
Quincy
Raiford
Reddick
River Ranch
Riverview
Rockledge
Roseland
Rotonda West
Ruskin
Safety Harbor
Saint Augustine
Saint Cloud
Saint James City
Saint Johns
Saint Leo
Saint Marks
Saint Petersburg
Salem
San Antonio
San Mateo
Sanderson
Sanford
Sanibel
Santa Rosa Beach
Sarasota
Satellite Beach
Satsuma
Scottsmoor
Sebastian
Sebring
Seffner
Seminole
Seville
Shady Grove
Shalimar
Sharpes
Silver Springs
Sneads
Sopchoppy
Sorrento
South Bay
Sparr
Spring Hill
St. Augustine
St. Leo
Starke
Steinhatchee
Stuart
Sugarloaf Shores
Sumatra
Summerfield
Summerland Key
Sumterville
Sun City
Sun City Center
Sunnyside
Suwannee
Sydney
Tallahassee
Tallevast
Tampa
Tangerine
Tarpon Springs
Tavares
Tavernier
Telogia
Terra Ceia
The Villages
Thonotosassa
Titusville
Trenton
Trilby
Umatilla
Valparaiso
Valrico
Vanderbilt Beach
Venice
Venus
Vernon
Vero Beach
Wabasso
Wacissa
Wakulla Springs
Waldo
Wauchula
Wausau
Waverly
Webster
Weirsdale
Welaka
Wellborn
Wellington
Wesley Chapel
West Little River
West Palm Beach
Weston
Westville
Wewahitchka
White Springs
Wildwood
Williston
Wimauma
Windermere
Winter Beach
Winter Garden
Winter Haven
Winter Park
Winter Springs
Woodville
Worthington Springs
Yalaha
Yankeetown
Youngstown
Yulee
Zellwood
Zephyrhills
Zolfo Springs

Loans for any reason ($100 - $35,000):

Secured with SHA-256 Encryption