Payday Loans Palm Coast, FL – Compare Licensed Lenders (2026)

$$500

Max Loan Amount

Active Lenders

15 min

Approval Time

$90K

Population

Palm Coast, Florida, a vibrant city in the Sunshine State with a population of 89,800, offers a diverse economic landscape. With an average income of $52,000 and a cost of living 10% lower than the national average, residents enjoy a relatively affordable lifestyle. However, the need for quick financial solutions like payday loans can arise, especially for unexpected expenses. In a city where industries are varied, having access to financial options that cater to immediate cash needs can be essential for maintaining financial stability.

About Palm Coast

Main Industries

$diverse industries

Avg Income

$$52,000

Cost of Living

$$-10% vs national avg

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.

Where to Find Payday Loans in Palm Coast

In Palm Coast, the payday lending scene is notably distinct with no active storefront lenders currently serving the area. As a result, residents seeking payday loans need to rely on online lending platforms. This shift to digital solutions offers convenience, but also requires careful consideration of terms and costs. While payday loans are legal but restricted in Florida, residents must ensure they understand the loan agreement fully before committing.

Compare Lenders in Palm Coast

Lender	Loan Range	Typical APR	Best For	Apply

Representative Loan Example in Palm Coast

Calculation

Loan Amount: $$500

Term: $14 days

APR: $300%

Fee: $$50

Total Repayment: $$550

Effective APR: $260.7%

⚠️ Important Notes

✓ For Palm Coast residents earning $$52,000, this payment is 0.96%
✓ Recommended: Keep monthly debt payments below 35% of income
✓ APR varies by lender and creditworthiness
✓ Always compare multiple offers before accepting

Advantages & Disadvantages in Palm Coast

✅ Advantages

✓ Process 100% online
✓ Decision in 15 min
✓ Available for Palm Coast residents
✓ No collateral required
✓ Early repayment allowed

❌ Disadvantages

✗ Higher APR than traditional banks
✗ No local storefronts in Palm Coast
✗ Credit check required

💡 Expert Recommendation for Palm Coast Residents

Rostislav Sikora, a loan expert, suggests that residents of Palm Coast, with its lower cost of living, might find short-term payday loans beneficial for urgent financial needs. However, it's crucial to evaluate the costs involved. Before signing, compare APR and ensure payment doesn't exceed 35% of monthly income.

Rostislav Sikora – Loan Comparison Specialist at Credizen

Frequently Asked Questions – Palm Coast, FL

How do I get a payday loan in Palm Coast, FL?

To get a payday loan in Palm Coast, FL, you can apply online through licensed lenders. Ensure you meet the eligibility criteria set by the lender.

What's the max I can borrow in Palm Coast?

In Palm Coast, the maximum amount you can borrow through a payday loan is $500, as per Florida state regulations.

Can I get approved with bad credit in Palm Coast?

Yes, payday lenders in Palm Coast often approve loans for individuals with bad credit, focusing more on income over credit scores.

Are there storefronts in Palm Coast or is it online only?

Currently, there are no active storefront payday lenders in Palm Coast; residents must apply through online platforms.

How fast can I get money in Palm Coast?

If approved, you can receive funds as quickly as the same day or within one business day, depending on the lender.

What are the requirements for a payday loan in Palm Coast, FL?

Requirements typically include proof of income, a valid ID, and a checking account. Specific criteria may vary between lenders.

Is it safe to apply for payday loans online in Palm Coast?

Yes, applying online is safe if you use reputable lenders. Always check for proper licensing and secure websites.

What should I consider before getting a payday loan in Palm Coast?

Consider the APR, repayment terms, and your ability to repay the loan without impacting your financial stability.

Can I repay my payday loan early in Palm Coast?

Yes, most payday loans can be repaid early without penalties, which might reduce the overall interest cost.

Nearby cities in Florida

Compare options in nearby Florida cities. Rates and approval times can vary by lender.

USA loan hub View Florida loan options Compare payday lenders Compare lenders side-by-side Payday loan guides

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Responsible Lending Notice: Payday loans are short-term financial products and should only be used for temporary cash needs. They are not a long-term solution for financial difficulties. Borrowers should consider other options before taking out a payday loan.

Regulatory Information: All lenders displayed serve Palm Coast, FL and are regulated by state authorities. For complaints or concerns, contact the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov.

Affiliate Disclosure: Credizen.net may earn a commission when you apply through our platform. This helps us keep our service free. We only work with licensed, reputable lenders.

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