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Payday Loans in Florida — Laws, Limits & Online Lenders

Compare licensed payday lenders in Florida. One application, multiple offers, no credit impact.

1 Apply in Minutes
2 Compare Offers
3 Get Funded

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Florida Payday Loan Laws at a Glance

Max Loan Amount $500
Max APR 419%
Max Term 31 days
Rollovers Prohibited
Cooling-Off Period 24 hours
Governing Statute Fla. Stat. § 560.402

How to Get a Payday Loan in Florida

Getting a payday loan in Florida is straightforward. Fill out the form above with your basic information — name, address, income, and bank account details. Our network of Florida-licensed lenders reviews your application and presents offers based on your profile.

You compare terms, choose the offer that works best for you, and funds are deposited directly into your bank account — often the same day or next business day.

Requirements for Florida Borrowers

  • Must be 18 years or older (resident of Florida)
  • Active checking account
  • Regular source of income
  • Valid government-issued ID
  • Not active-duty military

Check Your Rate in Florida — No Credit Impact

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What to Know Before Borrowing in Florida

Under Fla. Stat. § 560.402, payday lenders in Florida may charge up to the state maximum on qualifying loans. Make sure you understand the total repayment amount before accepting any offer. If you cannot repay on time, contact your lender immediately — Florida may require lenders to offer an extended payment plan.

For more information on payday loan regulations across all states, see our Florida and other state payday loan laws.

Payday Loans by City in Florida

Select your city for local payday loan information, lender options, and Florida regulations that apply to your area.

Jacksonville Miami Tampa Orlando St. Petersburg Hialeah Tallahassee Fort Lauderdale Cape Coral Pembroke Pines Hollywood Gainesville Miramar Coral Springs Clearwater Palm Bay Lakeland Pompano Beach West Palm Beach Davie Miami Gardens Sunrise Boca Raton Deltona Plantation Fort Myers Kissimmee Ocala Port St. Lucie Pensacola

Florida Payday Loan FAQ

Are payday loans legal in Florida?

Yes. Payday loans are legal in Florida under Fla. Stat. § 560.402. Lenders must be licensed by the state banking regulator.

How much can I borrow in Florida?

The maximum payday loan amount in Florida is $500. Your actual loan amount depends on your income and the lender's assessment.

What is the maximum APR in Florida?

The maximum APR for payday loans in Florida is approximately 419%. Actual rates vary by lender within this limit.

Can I roll over a payday loan in Florida?

Prohibited

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