Payday Loans and Cash Advance in Florida: Get Offers Online
Payday and installment loans in one short form, offers from licensed lenders, and money sent to your bank account if you are approved.
Estimate uses the maximum fee Florida law allows (up to 10% of the amount provided, plus a separate $5 verification fee; on $100 that is a $10 fee). Some lenders charge less. A typical two-week loan with a $15 per $100 fee has an APR near 400%. Your offer may differ.
Check my offers- Florida lenders must be licensed by the state
- Full cost and APR shown before you sign
- All credit types can apply; lenders may check credit
Payday Loans in Florida, requested online
Florida residents can request $100 to $500 online from any of the 522 Florida cities we cover. You fill in one form, lenders review it, and you see the full cost before you decide.
What Florida law says
- Maximum loan amount: $500.
- Fee limit: Up to 10% of the amount provided, plus a separate $5 verification fee; on $100 that is a $10 fee.
- Loan term: 7 to 31 days.
- Renewals: Rollovers are prohibited; a new loan cannot be used to pay off, extend or consolidate an earlier one.
- Waiting period: Must wait 24 hours after paying off a loan before taking a new one.
- Payment plan: If you cannot pay at term end, tell the lender before the due date for a 60-day grace period at no added fee; credit counseling required.
- Loan limits: One loan at a time; lenders must check the state real-time database.
- Lenders must hold a license from the Florida Office of Financial Regulation (OFR), Division of Consumer Finance and disclose fees and APR before you sign.
Good to know
- The maximum payday loan is $500, with a term of 7 to 31 days.
- The fee is up to 10% of the amount you receive, plus a $5 verification fee.
- You may have only one payday loan at a time, tracked in a statewide database.
- After paying off a loan you must wait 24 hours before taking another.
- If you cannot repay on time, you can get a 60-day grace period with no extra charge by booking credit counseling within 7 days.
- Rollovers and prepayment penalties are prohibited.
- Installment loans of up to $1,000 for 60 to 90 days may cost up to 8% of the balance every two weeks.
- Lenders must be licensed with OFR; verify a license at (850) 487-9687.
Why request online
Installment loans in Florida
Need more than $500 or more time to repay? Florida also allows consumer finance loans from licensed lenders, repaid in fixed monthly payments. Up to 36% a year on the first $10,000, 30% on $10,000 to $20,000 and 24% on $20,000 to $25,000, as simple interest.
- A payday loan fits a small, one-off gap you can repay in full on your next payday.
- An installment loan fits a larger amount or a budget that needs smaller monthly payments; check the total interest before you sign.
- Installment lenders need a license: Consumer Finance Loan License from the Florida Office of Financial Regulation (Ch. 516).
Illustration only. Your lender must disclose the APR, payment schedule and total cost before you sign.
How it works
Payday Loan Rules in Florida
| Maximum amount | $500 single-payment; $1,000 installment |
|---|---|
| Loan term | 7–31 days single; 60–90 days installment |
| Rate / fee rule | Single-payment fee ≤10%; installment fee ≤8% of outstanding balance biweekly |
| Regulatory basis | Fla. Stat. §560.402 et seq. |
Key Rules
- Only one deferred presentment transaction at a time
- verification/database rules
- no prepayment penalty on installment option
Regulatory reference: the statutes listed in this table and the state regulator. State rules can change; confirm current terms before borrowing.
Largest Florida cities
Questions people ask
Can I get a loan in Florida with bad credit?
Yes, you can apply with any credit history. Lenders look at your income and banking history, not only your credit score, but they may still check your credit and approval is not guaranteed. Compare the APR and total cost before you accept.
Are payday loans legal in Florida?
Yes. Lenders are licensed by the Florida Office of Financial Regulation (OFR), Division of Consumer Finance under Fla. Stat. 560.401-560.408 (deferred presentment, 560.404).
What is the maximum payday loan in Florida?
$500. The lender decides your amount based on income.
How much does a payday loan cost in Florida?
Fee limit in Florida: up to 10% of the amount provided, plus a separate $5 verification fee; on $100 that is a $10 fee. At $10 per $100, a $300 two-week loan costs $35, about 304% APR.
Where can I complain about a lender in Florida?
Contact the Florida Office of Financial Regulation (OFR), Division of Consumer Finance at (850) 487-9687 or the CFPB at consumerfinance.gov/complaint.
It takes a few minutes and costs nothing to ask. You decide after you see the full cost.
Check my offersWe pass your request to participating lenders. A request does not guarantee an offer; approval, amount and funding time depend on the provider.
Resources
Payday loans near me in Florida: find your city
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