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Florida Payday Loans - Direct Payday Loan Lenders in Florida is a comprehensive comparison platform that revolutionizes your payday loan experience in Florida, offering a curated selection of reputable direct lenders and loan marketplaces. With our user-friendly interface, borrowers can effortlessly browse, compare, and apply for payday loans in the Sunshine State.

Our commitment to clarity ensures transparency in every step of the process, providing detailed information on lenders, loan marketplaces, terms, and fees. We empower borrowers to make well-informed decisions, helping them confidently navigate Florida payday loans.

Whether you need urgent financial assistance or want to explore short-term lending options, is your trusted partner. Start and finish your payday loan journey in Florida conveniently and transparently only with DirectLendersList.

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Florida Payday Loans
Web Rating
Loan Amount:
$100 – $1,000

Lend Swiftly

Lend Swiftly is a lender connecting service that streamlines the borrowing process by linking borrowers with direct lenders, specializing in short-term payday loans tailored for Florida residents. The platform ensures quick access to financial assistance through a vast network of trusted lenders, making the loan acquisition process simpler and faster.

APR Range


Repayment Terms


Funding Time

One business day*


⇒ Age Requirement: Applicants must be 18 years of age or older.

⇒ Income Verification: Demonstrate consistent and verifiable income.

⇒ Proof of Income: Recent pay stubs.

⇒ Active Banking: Maintain an active bank account.

⇒ Photo Identification: Possess a government-issued ID.

⇒ Valid Email: Provide an active and valid email address.

⇒ Phone Verification: Ensure the provided phone number is correct.


• Company Name: – Lend Swiftly

• Loan Type: – Online Payday Loans

• State: – Florida

• Serviced As: – Lender Connecting Platform

• Minimum Amount: – $100

• Maximum Amount: – $1,000

• Loan Term: – 10 to 90 days (Varies based on the lender and State Laws)

• Funding Time: – As early as the next working day* (Varies depending on the lender)

• APR range: – (APR) will be disclosed upon approval based on loan amount and duration.

• Fees: – Fees determined by the lender and state laws.

Your lender or financial service provider will determine the loan term, fees, and interest rates.

Florida Payday Cash Advance
Web Rating
Loan Amount:
$50 – $500 operates as a comprehensive lender connecting platform, offering swift access to cash advance payday loans in Florida. Borrowers can find tailored financial solutions quickly and efficiently through a vast network of direct lenders.

APR Range


Repayment Terms

7 to 31 days

Funding Time

As soon as next business day*


⇒ Age Requirement: Applicant must be 18 years of age or older.

⇒ Verifiable Income: Provide proof of a consistent income source.

⇒ Employment Duration: Must be employed for a minimum of 90 days.

⇒ Banking Requirement: Hold an active checking account.

⇒ Verification Consent: Agree to employment verification procedures.

⇒ Contact Information: Provide valid home and work telephone numbers.

⇒ Email Validation: Must have an active email address.



• Company Name: –

• Loan Type: – Payday Cash Advance Online

• State: – Florida

• Serviced As: – Lender Connecting Service (Not a Direct Lender)

• Minimum Amount: – $50

• Maximum Amount: – $500

• Loan Term: – 7-31 days

• Funding Time: – As quick as the following business day* (Varies by the lender)

• APR range: – Varies

• Fees: – Determined and disclosed by the lender upon approval.

Your lender or financial service provider will determine the loan term, fees, and interest rates.

Direct lender in Florida
Web Rating
Loan Amount:
$50 – $500


Check Into Cash is a direct lender licensed by the Office of Financial Regulation in Florida, offering online payday loans with quick loan processing and reliable customer support.

APR Range

Up to 391.07% *

Repayment Terms

14 or 31 days

Funding Time

Next working day*


⇒ Social Security Number

⇒ Photo ID: A driver’s license or other government-issued identification.

⇒ Checking Account Details: Your checking account number.

⇒ Bank’s Routing Number: The nine-digit number found at the bottom of the check.

⇒ Age Requirement: Must be at least 18 years old.

⇒ Proof of Income: For example, your most recent pay stub.

⇒ Contact Information: A valid phone number and email address.


• Company Name: – Check Into Cash

• Loan Type: – Payday Loans

• State: – Florida

• Serviced As: – Direct State-Licensed Lender

• Minimum Amount: – $50

• Maximum Amount: – $500

• Loan Term: – 14 or 30 days

• Funding Time: – As soon as the next business day* 

• APR range: – Up to 391.07%* (APR) may vary based on loan term and loan amount. APR range may change without notice based on the state laws.

• Fees: – NSF fee may apply on returned payment.

APR Range Example

A $250.00 loan with a $30.00 fee results in a total amount of $280, equating to an APR of 312.86% for a 14-day period.

Florida Payday Loans

Payday Loans

in Floridain Miami, FLin Orlando, FLin Tampa, FLin Jacksonville, FLin Fort Lauderdale, FLin Tallahassee, FLin St. Petersburg, FLin Key West, FLin Sarasota, FLin Naples, FLin Daytona Beach, FLin Boca Raton, FLin Fort Myers, FLin Pensacola, FLin Gainesville, FLin Clearwater, FLin West Palm Beach, FLin Hollywood, FL

In the state of Florida, where vibrant cities meet pristine beaches and bustling communities thrive, financial emergencies can strike unexpectedly. These financial curveballs can leave individuals scrambling for solutions, whether it’s a car repair, medical emergency, or utility bill. For many Floridians facing temporary financial setbacks, payday loans serve as a lifeline, offering quick access to much-needed funds to cover urgent expenses. However, navigating the landscape of Florida payday loans requires careful consideration and understanding of the associated risks and benefits.

Understanding Florida Payday Loans

Payday loans are also known as cash advances or paycheck advances. They are short-term loans that range from $50 to $500 in Florida. These loans are meant to assist individuals who face unforeseen expenses and need to bridge the gap between paychecks. Payday loans are intended for short-term financial needs and are characterized by a quick approval process and minimal eligibility requirements. Borrowers are required to repay these loans in full, along with fees, by their next payday, which usually falls within two to four weeks.

Florida Payday Loans: Regulations and Legal Framework

In Florida, payday lending is legal and regulated by the Office of Financial Regulation to ensure consumer protection and fair lending practices. The Florida Deferred Presentment Act governs the operation of payday lenders and establishes guidelines for loan amounts, terms, fees, and borrower eligibility criteria. Under this framework, lenders must obtain a license and adhere to strict regulations to operate legally within the state.

Requirements to Qualify for Payday Loans in Florida?

• Age Requirement: Must be at least 18 years old.

• Verifiable Source of Income: Demonstrated through pay stubs or other documentation.

• Proof of Identification: Government-issued ID is required for verification.

• Banking Information: Checking account and bank routing numbers needed for loan processing.

• Contact Information: Valid email address and phone number required for communication.

Are payday loans legal in Florida?

Yes, payday loans are legal in Florida and can be accessed online or in-store by the residents. The state has established regulations to govern payday lending to safeguard borrowers and promote fair practices within the industry. As a Florida resident, you can secure a payday loan of up to $500, abiding by state guidelines.


The regulatory framework in Florida, which oversees payday loans, comprises several crucial provisions:

• Maximum loan amount: $500

• Loan term: 7 to 31 days

• Fee cap: Lenders are limited to charging a maximum fee of 10% of the loan amount, plus a $5 verification fee.

• Maximum APR: Payday loans in Florida may carry an APR of up to 391.07%.*

• Rollovers: Rollovers, or loan renewals with additional fees, are prohibited.

• Loan limitation: Borrowers are restricted to holding only one outstanding payday loan at a time.

• Cooling-off Period: After repaying a loan, borrowers must wait 24 hours before applying for a new loan.


The payday lending industry in Florida operates under state laws governed by Fla. Stat. Ann. § 560.404, ensuring legal protections for borrowers. Borrowers should carefully review and comprehend the terms and conditions of any payday loan agreement before proceeding.

Example Fees Chart for Florida Payday Loans

Loan Amount Finance Charge Repayment APR (14 days)

Other Loan Types That May Interest You in Florida

Florida Payday Loan Laws

In Florida, payday lenders must obtain a valid license from the Office of Financial Regulation before operating in-store or online.

Fee Limits

Florida law restricts payday loan fees to a maximum finance charge of 10% of the loan amount plus a $5 verification fee. The maximum loan amount is $500.


Payday lenders in Florida are prohibited from issuing new loans to borrowers with outstanding balances or using new loans to pay off existing ones. Rollovers are not allowed.

Returned Check Fees

Lenders can charge a bounced check fee of up to $30 if a repayment check bounces.

Lender Connecting Service in Florida
Direct Lenders in Florida

SpotLight Loans

Loans starting from $100 – $5,000

Online network of lenders

Online form takes under 5 minutes.

Florida Personal loans direct lenders

Loans between $500 and $35,000

Large lenders network

Fast approval decision

Benefits of Payday Loans in Florida

Payday loans are popular for their convenience and fast processing time, some of their primary advantages. Unlike traditional loans that require lots of paperwork and credit checks, payday loans have minimal eligibility requirements and a simplified application process, making it possible for borrowers to receive funds quickly, often within the same business day. This makes them an attractive option for individuals who urgently need money for medical bills, car repairs, or unexpected expenses. Payday loans are also suitable for people with poor credit scores or those requiring immediate financial assistance.

How to apply for a payday loan in Florida?

Applying for a payday loan in Florida typically involves the following steps:

Research Options: Begin by exploring different payday loan lenders in Florida. Look for reputable lenders with positive customer reviews and transparent terms.

Prepare Documentation: Gather the necessary documents, such as proof of income, government-issued ID, and banking information, including your checking account number and bank routing number.

Online or In-person Application: Choose between applying online through the lender’s website or visiting a physical storefront. Complete the application form with accurate personal and financial details.

Review Terms: Carefully review the loan terms and conditions, including the loan amount, repayment schedule, fees, and APR. Ensure you understand the total cost of borrowing before proceeding.

Submit Application: Once you’ve completed the application, submit it through the chosen method. Online applications may offer instant approval, while in-person applications may require additional processing time.

Approval and Fund Disbursement: If approved, funds will be disbursed through direct deposit into your bank account or as cash if you apply in person.

Repayment: Repay the loan according to the agreed-upon terms to avoid additional fees and penalties. Timely repayment is essential to maintain a positive borrowing experience.

How to identify if a payday lender in Florida is legit?

Identifying whether a payday lender in Florida is legitimate involves conducting thorough research and considering certain key factors. Here are some steps to help you determine the legitimacy of a payday lender in Florida:

• Check Licensing: Verify that the lender is licensed to operate in Florida. You can typically find this information on the lender’s website or by contacting the Florida Office of Financial Regulation.

• Research Reputation: Look for reviews and feedback from other borrowers who have used the lender’s services. Reputable lenders will have positive reviews and a good reputation within the community.

• Review Website Security: Make sure the lender’s website is secure by looking for “https” and a padlock symbol in the browser address bar, which indicates encryption is being used to protect your personal and financial information.

• Transparency: Legitimate lenders will provide clear information about loan terms, fees, and APR. Carefully review terms and conditions to avoid hidden fees or deceptive practices.

• Contact Information: Legitimate lenders will provide clear contact information, including a physical address, phone number, and email address. Avoid lenders that offer vague contact information or only list a P.O. Box.

• Check for Complaints: Search for complaints or disciplinary actions against the lender through the Florida Office of Financial Regulation or the Better Business Bureau. Avoid lenders with a history of complaints or regulatory violations.

• Avoid Upfront Fees:  Legitimate lenders usually don’t require upfront fees or payments before providing a loan. Be cautious of lenders that request money upfront or demand payment for loan approval. 

How to file a complaint against a payday lender in Florida

If you encounter issues with a payday lender in Florida, you have recourse through the Florida Office of Financial Regulation (OFR) or the Consumer Financial Protection Bureau (CFPB). Follow these steps to file a complaint:

Collect Details: Gather all relevant documentation related to your experience with the payday lender. This includes loan agreements, correspondence, receipts, and any evidence of unfair or deceptive practices.

Contact the Lender: Before filing a formal complaint, try to resolve the issue directly with the payday lender. Contact the lender’s customer service department or compliance officer, explaining your concerns and requesting a resolution.

File with OFR:  If you cannot resolve the issue with the lender directly, register an online complaint through the OFR’s Online Services portal. You’ll need a valid email address, a username, and a password. Alternatively, you can call (850)-487-9687 for assistance.

File with CFPB: Submit your complaint online via the CFPB’s Complaint Portal or call (855) 411-CFPB (2372). Provide your personal and financial details along with the lender’s name and complaint specifics.

Attach Supporting Documents: Include copies of relevant documents like contracts, statements, or checks supporting your complaint. Avoid sending original documents.

Review Process: The OFR or CFPB will review your complaint and may reach out for further details. They’ll contact the lender to address the issue, potentially leading to enforcement actions if found in violation.

Check Status: Monitor the progress of your complaint online or by contacting the OFR or CFPB. You can update your complaint with additional information if necessary.

Consult Legal Advice: If necessary, seek legal counsel for disputes or if the lender initiates legal action against you. Legal advice can help protect your rights and navigate complex legal matters effectively.


Consumer Complaint

Florida Office of Financial Regulation

200 East Gaines Street
Tallahassee, FL 32399
Phone: 850-487-9687

Consumer Financial Protection Bureau

For registering complaints online. Click to submit complaint.

Frequently Asked Questions

Most frequently asked questions about Florida payday loans

Yes, payday loans are legal in Florida, but some specific laws and regulations govern payday lending practices in the state.

The maximum loan amount you can borrow with a payday loan in Florida is $500.

If you take out a payday loan in Florida, you must repay it within 7 to 31 days.

Florida has imposed a legal limit on the amount of fees that payday lenders can charge borrowers. According to state law, lenders can only charge a maximum of 10% of the loan amount and a $5 verification fee.

No, Florida law restricts borrowers to having only one outstanding payday loan at a time.

After fully repaying a payday loan, you must wait for 24 hours before taking out another one.

Florida law requires lenders to provide a 60-day grace period without additional charge, provided the borrower makes an appointment with a consumer credit counseling service within 7 days and completes the counseling within the 60-day grace period.

Complaints against payday lenders in Florida can be filed with the Florida Office of Financial Regulation (OFR) online or by calling their office. You may also consider filing a complaint with the Consumer Financial Protection Bureau (CFPB).