Payday Loans in Florida (FL)

Are you strapped for cash these days? We have listed all top lenders in the industry in Florida for your reference. Just look over the list and pick out the one that meets your requirements.

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      4.8
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    15 Best Payday Loans & Cash Advance in Florida (FL)

    We present you with a list of all financial companies that are ready to tide you over in Florida. To meet your urgent need of money, kindly check the following details and see whether these lenders meet your financial needs.

    • 5.0
      AllStarAllStarAllStarAllStarAllStar
      (2124)
      • Address:
      • 1551 Sawgrass Corporate Pkwy Suite 300, Sunrise, FL 33323, United States
      • Phone:
      • +1 954-241-2800
      • Open hours:
    • 5.0
      AllStarAllStarAllStarAllStarAllStar
      (1563)
      • Address:
      • 9017 US-19, Port Richey, FL 34668
      • Phone:
      • (727) 999-8080
      • Open hours:
    • 5.0
      AllStarAllStarAllStarAllStarAllStar
      (1539)
      • Address:
      • 2418 N Monroe St Suite 200, Tallahassee, FL 32303, United States
      • Phone:
      • +1 850-523-9148
      • Open hours:
    • 4
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (1436)
      • Address:
      • 9515 State Rd 52, Hudson, FL 34669, United States
      • Phone:
      • +1 727-378-4580
      • Open hours:
    • 5
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (1412)
      • Address:
      • 1403 W Brandon Blvd, Brandon, FL 33511, United States
      • Phone:
      • +1 813-681-5705
      • Open hours:
    • 6
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (1187)
      • Address:
      • 6402 N Armenia Ave, Tampa, FL 33604, United States
      • Phone:
      • +1 813-756-1571
      • Open hours:
    • 7
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (1090)
      • Address:
      • 11686 NW 7th Ave, Miami, FL 33168, United States
      • Phone:
      • +1 305-687-5658
      • Open hours:
    • 8
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (975)
      • Address:
      • 8340 N Dale Mabry Hwy, Tampa, FL 33614, United States
      • Phone:
      • +1 813-513-7731
      • Open hours:
    • 9
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (870)
      • Address:
      • 2230 FL-77, Lynn Haven, FL 32444, United States
      • Phone:
      • +1 850-265-0883
      • Open hours:
    • 10
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (744)
      • Address:
      • 5525 US Hwy 98 N, Lakeland, FL 33809, United States
      • Phone:
      • +1 863-815-9623
      • Open hours:
    • 11
      4.9
      AllStarAllStarAllStarAllStarHallStar
      (3079)
      • Address:
      • 1430 E Fowler Ave, Tampa, FL 33612, United States
      • Phone:
      • +1 813-866-7296
      • Open hours:
    • 12
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (700)
      • Address:
      • 4006 W Vine St, Kissimmee, FL 34741, United States
      • Phone:
      • +1 407-201-3578
      • Open hours:
    • 13
      4.9
      AllStarAllStarAllStarAllStarHallStar
      (2453)
      • Address:
      • 3216 W Lake Mary Blvd, Lake Mary, FL 32746, United States
      • Phone:
      • +1 407-326-0646
      • Open hours:
    • 14
      4.9
      AllStarAllStarAllStarAllStarHallStar
      (1897)
      • Address:
      • 1980 Main St, Dunedin, FL 34698, United States
      • Phone:
      • +1 727-733-6464
      • Open hours:
    • 15
      4.9
      AllStarAllStarAllStarAllStarHallStar
      (1876)
      • Address:
      • 1823 NW 79th St, Miami, FL 33147, United States
      • Phone:
      • +1 305-691-3701
      • Open hours:
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    Florida Payday Loans Regulations

    • Loan Amount (max)

      $500

    • Loan Term (max)

      31 days

    • Finance Charges

      10% of an amount and $5.00 verification fee

    • APR
      304%

    Industry regarding payday loans in Florida is Legal. The law imposes a $500 amount limit offered by the lenders. Lenders in this state can offer a payday loan for a period of not longer than 31 days. The maximum finance charge is 10% of an amount and $5.00 verification fee, and the APR is 304%.0 rollovers are allowed.There are 1 at a time cooling-off periods between two consecutive loans. The number of outstanding loans shoud be less than 1 at a time.

    The Maximum Loan Amount in Florida

    • The maximum loan amount for single-payment payday loans and installment loans are $500 and $1,000 respectively. Any amount exceeding is prohibited.
    • Additionally, a borrower is not allowed to get more than one payday loan at a time.

    Rates, Fees, and Other Charges in Florida

    • 10% of an amount and a $5.00 verification fee.
    • APR equals 304%.

    In Florida, any finance charges and fees that exceed 10% are not permitted. And the verification fee should be no more than $5.

    How Much Would a $100 Payday Loan Cost?

    With a 14 days term:

    APR:391.1%

    Loan cost: $100*391.1%* (14/365)=$15.0

    To return: Principal+Loan cost=$100+$15.0=$115

    Cost сalculation

    10% fee charge of $100 = $10

    $5 verification fee

    Total: $15

    ARP сalculation:

    $15 / $100 / 14 days = 0.10714 * 365 days * 100 = 391.1%

    The Maximum Term for a Payday Loan in Florida

      • The maximum term for a single-payment payday loan is 31 days, while an installment loan is 90 days.
      • Rollovers are not allowed in Florida, you are required to pay back the amount plus interest on time.

      In the state of Florida, a single-payment loan is given a period of 14-31 days, while an installment loan is generally with a tenure of 60-90 days. Please keep in mind that no rollover is allowed in Florida, you need to repay in full and on time.

      Consumer Information

      Attention

      From July 2020, lenders are not required to check a borrower’s ability to repay a loan.

      Be careful, evaluate your financial situation, and don’t get into a debt trap.

      Warning

      Florida Department strongly recommends checking the license of deferred deposit originators (payday lenders) by this link.

      • In Florida, payday lending is available both to the residents here and people who have a plan of moving to the state.
      • Criminal charge is not allowed according to state law and your lender has no right to take any action of this kind if you fail to repay.
      • Borrowers are given a grace period of 60 days in case one is unable to repay in time. However, to use this feature, certain steps should be taken in advance.

      For more information about the laws and regulations in Florida, please kindly visit the official website of the Florida Office of Financial Regulation, consumers can also file a complaint regarding illegal payday lender actions via this site.

    Search for Payday Loans in Florida by Key Cities

    To locate an online payday loan in Florida, the most effortless way is working with WeLoans. Just click on your target city below. Our strong database will allow you to make the best deal!

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    Calculator for Florida Payday Loans Estimate

    Utilize the calculator below to keep yourself informed about the estimated total costs of a payday loan in Florida.

    Estimated Payment

    $ null

    • Total Principal Paid:$ 1,000.00
    • Finance charge:$ 255.62
    • APR: 311.00 %

    Payment Breakdown

    Florida Payday Loans Nearby

    Future Home Loans
    5.0
    AllStarAllStarAllStarAllStarAllStar
    (634)
    Mortgage broker
    Advance America
    5.0
    AllStarAllStarAllStarAllStarAllStar
    (574)
    Financial institution
    InstaLoan Title Loans
    4.9
    AllStarAllStarAllStarAllStarHallStar
    (1396)
    Loan agency