Credizen
Apply Now

Payday Loans in Macclenny, FL

Compare 0 licensed lenders • Fast approval • Same-day funding

Max Loan
$500
Active Lenders
0
Approval Time
15 min
Population
7,304
Compare Lenders in Macclenny →

About Payday Loans in Macclenny

Macclenny is a community in Florida with 7,304 residents. While smaller communities have fewer local lending storefronts, Macclenny residents can apply online with lenders licensed by OFR. Florida's tourism and agriculture sectors shape the regional economy, and the cost of living is near national average. Florida regulates payday loans at 304% APR (10% fee/$5 verify), with OFR providing oversight for Macclenny consumers.

Key Industries: tourism, agriculture, aerospace, finance
Median Income: $59,292
Cost of Living: near national average (index: 98)

Macclenny Economic Profile

Population
7,304
Median Income
$59,292
Cost of Living
98
near national average
Region
Southeast
Cost of Living Index 98 / 200
Low Cost National Avg High Cost

Key Industries

tourism agriculture aerospace finance

Payday Loan Key Facts – Macclenny, FL

Max Loan Amount $500
APR / Fee Structure 304% APR (10% fee/$5 verify)
Max Loan Term 31 days
Cooling-Off Period 24 hours
State Regulator OFR
Active Lenders 0 licensed in FL
City Population 7,304
Avg. Household Income $59,292
Cost of Living near national average (index: 98)

Source: State regulatory databases, U.S. Census Bureau, Bureau of Labor Statistics. Data verified January 2026.

Florida Payday Loan Regulations

Florida Payday Loan Regulations

Max Loan Amount:$500
Max Term:31 days
Typical APR:419%
Cooling-Off:1 day(s)
Rollover Allowed:No

Florida limits payday loans to $500 with 24-hour cooling-off period after 4th loan. Typical APR 419%.

Important: This information is current as of February 2026. State regulations may change. Always verify with your lender and state regulator before signing a loan agreement.

Compare Lenders in Macclenny

0 licensed lenders serving Macclenny, FL

*Rates and terms vary by lender and applicant. All lenders listed are licensed in FL.

Payday Loan Cost Comparison – Macclenny

See how costs change with different loan amounts in Florida

💰 Small Loan 14 days
Loan Amount
$300
APR / TAE 304%
Finance Charge $34.98
Cost per $100 $11.66
Total Repayment $334.98
Apply for $300 →
💵 Medium Loan 14 days
Loan Amount
$500
APR / TAE 304%
Finance Charge $58.30
Cost per $100 $11.66
Total Repayment $558.30
Apply for $500 →
🏦 Large Loan 30 days
Loan Amount
$500
APR / TAE 304%
Finance Charge $124.93
Cost per $100 $24.99
Total Repayment $624.93
Apply for $500 →
Representative examples for Macclenny, FL. Actual rates vary by lender, credit profile, and loan terms. Florida regulatory rate: 304% APR (10% fee/$5 verify). Cooling-off period: 24 hours. Always review your loan agreement before signing.

How to Get a Payday Loan in Macclenny

1

Apply Online

Fill out one simple form in 5 minutes

2

Get Matched

Compare offers from 0+ lenders

3

Get Approved

Decision in 15 minutes or less

4

Get Cash

Funds deposited same or next business day

Frequently Asked Questions – Macclenny

How do I get a payday loan in Macclenny, FL?
To get a payday loan in Macclenny: (1) Be 18+ with valid government ID, (2) Have an active checking account, (3) Show proof of income (pay stubs or bank statements), (4) Provide your Social Security number. Most Macclenny lenders approve applications within 15 minutes and deposit funds the same or next business day. Florida loans are regulated by OFR.
What is the maximum payday loan amount in Macclenny?
In Florida, including Macclenny, the maximum payday loan is $500. The regulated rate is 304% APR (10% fee/$5 verify). A 24 hours cooling-off period applies between loans. Verify current limits with OFR.
How long does it take to get money in Macclenny?
Most lenders serving Macclenny provide same-day or next-business-day funding. If approved before 10 AM on a weekday, you may receive funds within hours via direct deposit to your checking account. Weekend applications are typically processed on Monday. ACH transfers may take 1–2 business days, while some lenders offer instant funding for an additional fee.
Can I get a payday loan with bad credit in Macclenny?
Yes. Many lenders serving Macclenny, FL approve borrowers with poor or no credit history. These lenders focus on your current income and ability to repay rather than your credit score. However, expect higher APR and lower initial loan amounts. Compare multiple offers to find the lowest total cost.
What documents do I need for a Macclenny payday loan?
You'll typically need: (1) Valid government-issued photo ID (driver's license or state ID), (2) Proof of income (recent pay stubs, bank statements, or tax return), (3) Active checking account information (routing and account numbers), (4) Social Security number for identity verification. Some Florida lenders may also request proof of Macclenny residency (utility bill or lease).
What is the APR for payday loans in Macclenny?
304% APR (10% fee/$5 verify). This rate is set by OFR and applies to all licensed lenders in Macclenny. Always review the full fee schedule in your loan agreement.
What happens if I can't repay my payday loan in Macclenny?
If you cannot repay on time in Macclenny, FL: (1) Contact your lender immediately — many offer payment plans or extensions, (2) Florida requires a 24 hours cooling-off period between loans, preventing immediate rollover, (3) Late fees and collection actions may follow, (4) Unpaid loans may be reported to credit bureaus, (5) Contact OFR if you believe a lender is violating Florida law. Never take a new payday loan to pay off an existing one.

Ready to Compare Lenders in Macclenny?

Get matched with licensed Florida lenders in minutes

Compare Lenders Now →

Free to use • No credit impact to compare offers

How We Research Payday Loans in Macclenny

Our editorial team verifies all lender information, state regulations, and fee structures against official sources. This page for Macclenny, FL was last reviewed and updated in January 2026.

Sources & References

  • • OFR — Florida lending regulations
  • • CFPB — Federal consumer protection guidelines
  • • U.S. Census Bureau — Macclenny population & economic data
  • • Bureau of Labor Statistics — Income & cost of living estimates

Our Standards

  • • All lenders are verified as licensed in FL
  • • APR and fee data cross-checked with state records
  • • Content reviewed by financial services professionals
  • • Read our full editorial policy

Important Information

This information is current as of January 2026 and is for informational purposes only. Payday loan regulations in Macclenny, Florida may change. Always verify current regulations with your state's consumer financial protection agency before applying.

We may earn commission from lenders when you submit a loan request. This does not affect which lenders you're matched with. Credizen is a comparison platform – we do not directly provide loans.

For consumer protection resources, visit the CFPB .

Payday Loans in Nearby Cities

Looking for payday loans near Macclenny, florida? Check out these nearby cities in florida:

Baldwin

florida
9 mi
1K residents
View Lenders

Starke

florida
23 mi
6K residents
View Lenders

Jacksonville

florida
28 mi
950K residents
View Lenders

Jacksonville

florida
31 mi
950K residents
View Lenders

Waldo

florida
34 mi
1K residents
View Lenders

Keystone Heights

florida
35 mi
1K residents
View Lenders
See All Cities in florida

Emergency Financial Help

If you're experiencing financial difficulties, contact your local financial counseling service.

  • South Africa: National Credit Regulator - 0860 627 627
  • Romania: ANPC - 0213142200
  • Colombia: Superintendencia Financiera - (571) 594 2222
  • Poland: KNF - 22 262 5000
Skip to main content