Payday Loans Pembroke Pines, FL – Compare Licensed Lenders (2026)

$$500

Max Loan Amount

Active Lenders

15 min

Approval Time

$171K

Population

Pembroke Pines, Florida, a vibrant city in the Sunshine State, boasts a population of 171,178 and is home to diverse industries. With an average income of $52,000, residents experience a cost of living that is 10% lower than the national average. Despite the financial comfort, unexpected expenses can arise, making quick access to payday loans a viable option for many in the community. In a city where industries are flourishing, having financial solutions that cater to urgent needs is crucial, especially when local lending options are limited.

About Pembroke Pines

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 Pembroke Pines

In Pembroke Pines, accessing payday loans involves navigating an online-only landscape due to the absence of local storefront lenders. With zero active payday loan lenders within the city, residents often turn to online platforms to meet their urgent financial needs. Florida's regulations allow borrowing up to $500 with an APR ranging from 300% to 400%. While local options are limited, online lenders offer a convenient alternative for Pembroke Pines residents seeking financial assistance.

Compare Lenders in Pembroke Pines

Lender	Loan Range	Typical APR	Best For	Apply

Representative Loan Example in Pembroke Pines

Calculation

Loan Amount: $$500

Term: $14 days

APR: $300%

Fee: $$50

Total Repayment: $$550

Effective APR: $260.7%

⚠️ Important Notes

✓ For Pembroke Pines residents earning $$52,000, this payment is 1.2% of monthly income
✓ Recommended: Keep monthly debt payments below 35% of income
✓ APR varies by lender and creditworthiness
✓ Always compare multiple offers before accepting

Advantages & Disadvantages in Pembroke Pines

✅ Advantages

✓ Process 100% online
✓ Decision in 15 min
✓ Available for Pembroke Pines residents
✓ No collateral
✓ Early repayment OK

❌ Disadvantages

✗ Higher APR than banks
✗ Limited to online options
✗ Credit check required

💡 Expert Recommendation for Pembroke Pines Residents

Rostislav Sikora, a loan expert, suggests that Pembroke Pines residents consider short-term payday loans for immediate financial needs due to the lower cost of living. These loans can serve as a quick fix without significantly impacting one's budget. However, before signing, compare APR and ensure payment doesn't exceed 35% of monthly income.

Rostislav Sikora – Loan Comparison Specialist at Credizen

Frequently Asked Questions – Pembroke Pines, FL

How do I get a payday loan in Pembroke Pines, FL?

In Pembroke Pines, residents can apply for payday loans exclusively through online lenders due to the absence of local storefronts.

What's the max I can borrow in Pembroke Pines?

Under Florida state regulations, the maximum amount you can borrow is $500.

Can I get approved with bad credit in Pembroke Pines?

Yes, many online payday lenders in Pembroke Pines consider applications even if you have bad credit.

Are there storefronts in Pembroke Pines or is it online only?

Currently, payday loan options in Pembroke Pines are available only through online platforms.

How fast can I get money in Pembroke Pines?

Once approved, funds are typically deposited within one business day.

What are the interest rates for payday loans in Pembroke Pines?

Interest rates in Pembroke Pines range from 300% to 400% APR, as regulated by Florida state law.

Is it legal to get a payday loan in Pembroke Pines, FL?

Yes, payday loans are legal but restricted in Pembroke Pines under Florida state regulations.

Can I repay my payday loan early in Pembroke Pines?

Yes, many lenders allow early repayment without any penalties.

How does the cost of living in Pembroke Pines affect payday loans?

With a cost of living 10% lower than average, residents might find payday loans an effective short-term solution for financial gaps.

Nearby cities in Florida

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

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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 Pembroke Pines, 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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