Payday Loans in Florida
Before you borrow in Florida, know the ceiling the law already set: a $500 cap, terms of 7-31 days, a $30 maximum fee on a $300 loan. This page turns that statute into plain numbers — then the one-form request does the shopping.
Cap $500 · 7-31 days
What Florida law allows
A $300 payday advance in Florida carries up to $30.00 in fees — repay $330.00 (≈261% APR on the 14-day framing). The full statutory picture:
Same math on $500: $50.00 in fees, repay $550.00 — assuming the loan fits the cap.
Payday loans in Florida by city
Local guides for the 20 largest Florida markets — same statute, same caps, local context:
- Jacksonville
- Miami
- Tampa
- Orlando
- St. Petersburg
- Hialeah
- Tallahassee
- Port St. Lucie
- Cape Coral
- Fort Lauderdale
- Pembroke Pines
- Hollywood
- Miramar
- Gainesville
- Coral Springs
- Clearwater
- Miami Gardens
- Palm Bay
- Pompano Beach
- West Palm Beach
How a Florida payday loan works
- One form. Submit the request — email, name, amount. About two minutes, soft check, free to ask.
- Lenders review it. Those licensed to serve Florida decide on your income and checking account — usually within minutes.
- Compare the disclosure. Whatever an offer says, the fee must fit the Florida numbers in the table above — that is your legality check.
- Repay once, on payday. One debit on the agreed date — the fee is the entire cost. If the date is wrong, ask about the state's extended payment plan before the due date.
Frequently asked questions
How much can a payday loan in Florida be?
The statute caps it at $500 per loan. Lenders cannot legally split one need into several tickets to evade the cap — and any offer above $500 is not a lawful Florida payday loan.
What does a $300 payday loan cost in Florida?
10% per $100 means a $300 loan carries up to $30.00 in fees — repay $330.00 on 7-31 days. That works out to roughly 261% APR on the two-week framing.
How fast can I get a payday loan in Florida?
Decisions arrive in minutes and funding moves by ACH: same business day when a lender approves you before its early-afternoon cutoff, otherwise the next business morning. Weekend applications fund on Monday.
What do I need to qualify in Florida?
Three basics: verifiable depositable income, an active checking account in your name, and being 18+ with valid ID. Decisions key on income and account health rather than a credit score, and seeing offers uses a soft check.