Payday cash advance · Tampa, FL

Payday Loans in Tampa, Florida

Borrowers in Tampa get the same statutory deal as the rest of Florida — a $500 cap, a $30 maximum fee on a $300 loan — and the same two real variables: the lender's disclosure and the funding cutoff. Both are checkable before you commit.

Check Tampa Offers → Florida rules

Cap $500 · 7-31 days

The numbers

The price in Tampa is the state's

Florida sets one price for the whole state, and Tampa lenders work inside it: a $300 advance carries up to $30.00 in fees — repay $330.00 (≈261% APR, 14-day framing).

Maximum loan $500

Maximum fee 10% of loan amount + $5 verification fee

Term 7-31 days

Rollovers Forbidden

Approx. APR on $300 ~261% (14-day framing)

Statute Fla. Stat. § 560.401 et seq.

Tampa context Hillsborough County County · population 377,165 · median household income $44.2K (below the $Florida median of $51.1K)

Checked 2026-10-05 against Florida Office of Financial Regulation publications

Tampa at a glance

Maximum loan: $500 per loan — the Florida statute, applied identically in Hillsborough County County
What a $300 loan really costs: up to $30.00 in fees, repaid as $330.00 within 7-31 days
Cheapest alternative worth pricing first: an earned-wage draw on hours already worked — usually a few dollars against the whole fee
Sovereign route: tribal installment loans — $300–$2,000 over 3–24 months, lender-set APRs disclosed in the agreement
Fastest realistic funding: apply in the morning — same-business-day ACH before the cutoff, next business morning after it

Getting funded in Tampa

One form. Submit once — email, name, amount. Two minutes, soft check, free to ask.
Lenders licensed for Florida review it. Decisions key on income and a checking account, usually within minutes.
Check the disclosure. The fee must fit the table above — that is your legality check, wherever the lender is based.
Repay once. One debit on the agreed date; if the date is wrong, ask about the state's extended payment plan before the due date.

Near Tampa

Frequently asked questions

What does a $300 payday loan cost in Tampa?

Florida law caps it at $30.00 in fees — repay $330.00 within 7-31 days (≈261% APR on the 14-day framing). Every licensed lender serving Tampa must fit inside that number.

Do I have to live in Tampa to apply here?

No — you need to live in Florida, in Tampa or anywhere else in the state. The rules that set the price are Florida's, and the lenders in the network serve the whole state, including smaller towns around Hillsborough County County.

How fast is funding for Tampa borrowers?

Decisions arrive in minutes; ACH funding lands the same business day when the approval beats the lender's early-afternoon cutoff, otherwise the next business morning. Weekend requests fund on Monday.

What qualifies in Tampa?

Verifiable depositable income, an active checking account in your name, 18+ with ID. Decisions key on income and account health rather than a score, and seeing offers uses a soft check that never touches your report.

Check offers in Tampa. The one-form request reaches lenders that serve Florida — about two minutes, a soft check, no fee to ask. Payday One Loans is not a lender; any offer comes from an independent lender under its own license and pricing.