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Payday Loans in Pembroke Pines, FL

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

Max Loan
$1000
Active Lenders
0
Approval Time
15 min
Population
171,178
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About Payday Loans in Pembroke Pines

Pembroke Pines is one of Florida's larger cities with 171,178 residents and a median household income of $64,521. The local economy is driven by tourism and agriculture, along with aerospace and finance. The cost of living is near national average, and the local unemployment rate of 3.3% is below the national average. Many workers in service, retail, and gig economy roles turn to short-term loans when faced with sudden expenses or income gaps between pay periods. Florida regulates payday loans at 304% APR (10% fee/$5 verify), with OFR providing oversight for Pembroke Pines consumers.

Key Industries: tourism, agriculture, aerospace, finance
Median Income: $64,521
Cost of Living: near national average (index: 101)

Pembroke Pines Economic Profile

Population
171,178
Median Income
$64,521
Cost of Living
101
near national average
Region
Southeast
Cost of Living Index 101 / 200
Low Cost National Avg High Cost

Key Industries

tourism agriculture aerospace finance

Payday Loan Key Facts – Pembroke Pines, 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 171,178
Avg. Household Income $64,521
Cost of Living near national average (index: 101)

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 Pembroke Pines

0 licensed lenders serving Pembroke Pines, FL

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

Payday Loan Cost Comparison – Pembroke Pines

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 Pembroke Pines, 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 Pembroke Pines

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Frequently Asked Questions – Pembroke Pines

How do I get a payday loan in Pembroke Pines, FL?
To get a payday loan in Pembroke Pines: (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 Pembroke Pines 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 Pembroke Pines?
In Florida, including Pembroke Pines, 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 Pembroke Pines?
Most lenders serving Pembroke Pines 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 Pembroke Pines?
Yes. Many lenders serving Pembroke Pines, 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 Pembroke Pines 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 Pembroke Pines residency (utility bill or lease).
What is the APR for payday loans in Pembroke Pines?
304% APR (10% fee/$5 verify). This rate is set by OFR and applies to all licensed lenders in Pembroke Pines. Always review the full fee schedule in your loan agreement.
What happens if I can't repay my payday loan in Pembroke Pines?
If you cannot repay on time in Pembroke Pines, 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.
Do I need to visit a storefront in Pembroke Pines?
No. All lenders listed on Credizen for Pembroke Pines operate 100% online. You can apply from home, receive approval electronically, and get funds via direct deposit — no storefront visit required. While some brick-and-mortar lenders operate in Pembroke Pines, online applications are faster and allow you to compare multiple offers simultaneously.
What are the alternatives to payday loans in Pembroke Pines?
Before taking a payday loan in Pembroke Pines, consider: (1) Credit union payday alternative loans (PALs — max 28% APR), (2) Payment plans with your creditor or utility company, (3) Employer paycheck advance programs like Earnin or DailyPay, (4) Florida emergency assistance programs, (5) Nonprofit financial counseling services, (6) Personal loans from banks (often 6–36% APR). Payday loans carry high costs — explore all options first.

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How We Research Payday Loans in Pembroke Pines

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

Sources & References

  • • OFR — Florida lending regulations
  • • CFPB — Federal consumer protection guidelines
  • • U.S. Census Bureau — Pembroke Pines 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

Explore more options for Pembroke Pines, FL

Important Information

This information is current as of January 2026 and is for informational purposes only. Payday loan regulations in Pembroke Pines, 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 .

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Emergency Financial Help

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

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