Payday Loans in Florida
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Florida caps payday loans at $500 with mandatory cooling-off periods.
49 Cities Covered
Max Loan: 00
Legal
22,244,823
Population
49
Cities Covered
00
Max Loan Amount
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Boca Raton
Boynton Beach
Cape Coral
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Coconut Creek
Coral Springs
Davie
Daytona Beach
Deerfield Beach
Delray Beach
Deltona
Fort Lauderdale
Fort Myers
Hialeah
Hollywood
Homestead
Jacksonville Fl
Jupiter
Kissimmee
Lakeland
Largo
Lauderhill
Margate
Melbourne
Miami
Miami Beach
Miami Gardens
Miramar
North Miami
North Port
Ocala
Orlando
Palm Bay
Palm Coast
Pembroke Pines
Plantation
Pompano Beach
Port Orange
Port St Lucie
Sanford
Sarasota
St Petersburg
Sunrise
Tallahassee
Tamarac
Tampa
Wellington
West Palm Beach
Weston
Florida Payday Loan Regulations
Max Loan Amount:$500
Max Term:31 days
Typical APR:No limit (typically 300-400%)
Finance Charge:10% of principal or $10, whichever is greater
Regulatory Body:Office of Financial Regulation (OFR)
Payday loans in Florida are legal with restrictions. You can only have one payday loan at a time. 24-hour cooling-off period required between loans.
Important: This information is current as of January 2026. State regulations may change. Always verify with your lender and state regulator before signing a loan agreement.
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