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Apply For Online Payday Loans in Florida (FL), Get Instant Decision with No Credit Check From Best Direct Lender and Get Funds in 24 Hours

Payday Loans in Florida

We all encounter times when we need same-day payday loans in Florida to get us through to the end of the month before the much-needed paycheck comes in. This could be due to financial emergencies, bills, outstanding costs, and so on. Luckily, same-day deposit payday loans in the state of Florida are legal and can quickly help to cover costs while giving you enough time to repay. Whether you’re in Jacksonville, Gainesville, Panama City, Marianna, Tallahassee, Lake City, Tampa or anywhere in Florida, you can find the right loan until payday for you with AdvanceSOS.

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Does Florida Have Payday Loans? 

Yes, Florida has payday loans. The maximum amount you can borrow with a payday loan in this state is $500, and is usually repaid as a one time repayment within seven to 31 days. The maximum interest is 10% for every $100. Lenders may also charge a verification fee of $5 before disbursing the payday advance to your bank account. 

What Are Payday Loans?

Payday loans in Florida are short-term loans that can be repaid on your next payday. They are not to be borrowed for the purpose of long-term projects like mortgages, for instance. Instead, this type of emergency cash loan is better suited for emergencies and temporarily offsetting bills.

Numerous methods are available to get a payday loan in Florida, such as storefronts and online services; however, the most effective option is through an online lending service like AdvanceSOS. All you have to do is fill out a simple loan request form from our website, provide your contact details (phone number and email), and meet the requirements. This is the fastest, easiest, and stress-free way to get quick cash that can go a long way in aiding temporary financial difficulties. 

Anyone can get an approval for a payday loan as long as they meet the terms of the application. Your location within the state doesn’t really matter. Whether you stay in Jacksonville, FL, Oakland Park Blvd, Fort Lauderdale or Tennessee, Ohio or anywhere else in the state, you can still apply online to get a loan.

Can I Get $255 Online Payday Loans Same Day Deposit?

Yes, you can apply for same day deposit loans online to quickly clear up your bills, If you are currently short on cash for taking care of an emergency like a hospital bill, gas, or groceries.

Are Payday Loans Expensive in Florida?

Yes, payday loans can be expensive, but if you repay on time and do not incur any late fees or penalties, the total is still reasonable.

It is very important to only take loans you know you can pay back by the due date because of the high interest rates and fees that quickly stack up after the initial repayment date. Payday advances tend to be expensive compared to bank loans; this is why they shouldn’t just be borrowed without a good plan.

What Platform Can I Use To Access Payday Loans?

You can easily get a payday loan in Florida through AdvanceSOS. Since payday loans are not as large as traditional bank loans, the process is faster and more effective. While we do not give out these loans ourselves, we have an efficient service that can connect your loan application to direct lenders in FL. 

AdvanceSOS has a long-term relationship with a lot of reliable payday lenders offering the best rates and flexible terms. Applying for a loan only takes a few minutes and approval is almost immediate. The lender will reach out to you with the status of your application within minutes and send you an offer. Most times, the entire process is completed within 24 hours. 

Why Use AdvanceSOS for My Loans?

AdvanceSOS offers quick and efficient payday loan application services. Serving as a link between Florida payday lenders and borrowers, our main priority is to ensure that you get the quick cash you need straight to your checking account through a hassle-free process. Some of the benefits of applying for a loan through our platform include:

Free Service

We do not charge for our site services. The application process is completely free for everyone with no hidden fees or charges. 

Diverse Product Offerings

We have other loan offerings that you can check out on our site, just in case you require something different than payday loans. 

Fast Payday Loan

Once all requirements are in place, you will get approval, a match, and an offer within a few hours. After signing the agreement, you can get your money within 24–48 hours.

No Credit Checks

Payday loans are bad credit loans, so having a good credit score doesn’t matter. We even grant no credit check loans, giving you the opportunity to forget about your credit score. So, no hard credit checks are done on your account. 

This way, you can breathe and rely on your current income as the main factor to get a loan not your credit history.

Updated: Oct 1, 2023


What Other Alternatives Do I Have Apart From Payday Loans in Florida?

If you do not like the idea of payday loans, you have other alternatives, such as an installment loan, personal loans, and title loans. Installment loans mean you can pay back your loan in small monthly installments. This can be on a weekly or monthly schedule, depending on your agreement with the lending company. 
A title loan is also a short-term loan but it requires collateral like a house or car to secure the loan.

How Do Payday Loans Repayments Work for Online Payday Loans in Florida?

Before the loan is approved, the borrower gives the lender authorization to deduct the money from their paycheck at the end of the month. The money is collected electronically on the agreed date. You can also pay directly in cash or issue a check. 

How Many Payday Loans Can You Have in Florida?

The law in Florida decrees that only one outstanding payday loan is allowed at a time. One loan must be paid off first before access is given to another. There are also no rollovers.

Will Payday Loans Affect My Credit Score?

Payday loans are unlikely to affect your credit scores because no general reports are made to major national credit reporting companies. AdvanceSOS payday lenders hardly consider credit in terms of loan eligibility. 

Are Payday Loans Legal in Florida?

Yes, they are legal in Florida. Most lenders are licensed by the state and authorized to provide lending services. With AdvanceSOS, every lender in our network is credible, licensed, and reliable, so you never have to worry about the lender you are matched with when using our service. 
Note that all lenders are expected to reveal the terms, rates, and all other pertinent information to the borrowers before loan approval.

What Makes Me Eligible for a Payday Loan in Florida?

1. A government-issued ID proving you are 18 years old or over.
2. A recent bank statement to serve as proof of stable monthly income. Note that other means of income, such as unemployment benefits, pension, alimony and so on, are also accepted.
3. Social Security Number 
4. Proof that you are a permanent resident in Florida. 

How Fast Can I Get a Payday Loan in Florida?

Most payday loan applications are approved and disbursed within a few hours. In most cases, the cash will be sent to your checking account within the same day or before the next business day.

What Is the Interest Rate on Payday Loans in Florida?

Lenders in Florida are not permitted to charge an interest rate that exceeds 10% on every $100 of the loan amount provided. This amounts to a maximum APR of 304%. They may also charge a verification fee no more than $5. 

Can I Get a Payday Loan With Bad Credit in Florida?

A history of bad credit doesn’t affect your eligibility to get a payday loan in Florida. Payday loans do not have rigorous or strict processes or requirements, but it is imperative that you consider your loan amounts and the repayment options and what suits you. 

How Many Times Can I Get a Cash Advance?

As long as there are no payment defaults on agreed dates and no outstanding loans, you are eligible to borrow as many times as you wish. 

How Long Do You Have To Wait To Get Another Payday Loan in Florida?

There is a mandatory cooling off period of at least 24 hours between two online loans. After paying back your outstanding loan, you have to wait for this cooling off period to elapse before applying for a new loan. 

What Are The Current Regulations for Payday Loans in Florida?

Law status legal
MIN Loan Amount $100
MAX Loan Amount $500
MIN. Loan Term 7 days
MAX. Loan Term 31 days
MIN APR Varies by lender
MAX APR 419%
Additional fees 10% of every $100 borrowed
NSF fee None
Collateral or guarantor None, unsecured
Number of simultaneous loans Not set
Cooling off period None
Rollover None
Extension, repayment plan None
Default penalties Prohibited by law
Credit score requirements Available for Bad Credit
*Information based on our private research and provide average numbers in the state

Where Can We Help You Get a Payday Loan in Florida?

AdvanceSOS offers quickly help you find the best payday loans offers in cities like Jacksonville, Gainesville, Panama City, Marianna, Tallahassee, Lake City and Tampa.



Panama City

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Alachua • Alford • Altamonte Springs • Altha
• Altoona • Alturas • Alva • Anna Maria
• Anthony • Apalachicola • Apollo Beach • Apopka
• Arcadia • Archer • Argyle • Aripeka
• Astatula • Astor • Atlantic Beach • Auburndale
• Avon Park • Babson Park • Bagdad • Baker
• Balm • Barberville • Bartow • Bascom
• Bay Pines • Bell • Belle Glade • Belleair Beach
• Belleview • Beverly Hills • Big Pine Key • Blountstown
• Boca Grande • Boca Raton • Bokeelia • Bonifay
• Bonita Springs • Bostwick • Bowling Green • Boynton Beach
• Bradenton • Bradenton Beach • Bradley • Brandon
• Branford • Bristol • Bronson • Brooker
• Brooksville • Bryant • Bryceville • Bunnell
• Bushnell • Callahan • Campbellton • Canal Point
• Candler • Cantonment • Cape Canaveral • Cape Coral
• Captiva • Carrabelle • Caryville • Cassadaga
• Casselberry • Cedar Key • Center Hill • Century
• Chattahoochee • Chiefland • Chipley • Chokoloskee
• Christmas • Citra • Clarcona • Clarksville
• Clearwater • Clearwater Beach • Clermont • Clewiston
• Cocoa • Cocoa Beach • Coleman • Coral Springs
• Cortez • Cottondale • Crawfordville • Crescent City
• Crestview • Cross City • Crystal Beach • Crystal River
• Crystal Springs • Cypress • Dade City • Dania
• Davenport • Davie • Daytona Beach • De Leon Springs
• Debary • Deerfield Beach • Defuniak Springs • Deland
• Delray Beach • Deltona • Destin • Doctors Inlet
• Dover • Dundee • Dunedin • Dunnellon
• Durant • Eagle Lake • Earleton • East Palatka
• Eastlake Weir • Eastpoint • Eaton Park • Ebro
• Edgar • Edgewater • Eglin AFB • El Jobean
• Elfers • Elkton • Ellenton • Englewood
• Estero • Eustis • Everglades City • Evinston
• Fairfield • Fedhaven • Felda • Fellsmere
• Fernandina Beach • Ferndale • Flagler Beach • Fleming Island
• Florahome • Floral City • Fort Lauderdale • Fort Mc Coy
• Fort Meade • Fort Myers • Fort Myers Beach • Fort Ogden
• Fort Pierce • Fort Walton Beach • Fort White • Fountain
• Freeport • Frostproof • Fruitland Park • Gainesville
• Geneva • Georgetown • Gibsonton • Glen Saint Mary
• Glenwood • Goldenrod • Gonzalez • Goodland
• Gotha • Graceville • Graham • Grand Island
• Grand Ridge • Grandin • Grant • Green Cove Springs
• Greensboro • Greenville • Greenwood • Gretna
• Groveland • Gulf Breeze • Gulf Hammock • Haines City
• Hallandale • Hampton • Hastings • Havana
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• Holt • Homeland • Homestead • Homosassa
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• Hudson • Hurlburt Field • Immokalee • Indialantic
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• Intercession City • Interlachen • Inverness • Islamorada
• Island Grove • Istachatta • Jacksonville • Jacksonville Beach
• Jasper • Jay • Jennings • Jensen Beach
• Jupiter • Kathleen • Kenansville • Key Biscayne
• Key Colony Beach • Key Largo • Key West • Keystone Heights
• Killarney • Kissimmee • La Crosse • Labelle
• Lacoochee • Lady Lake • Lake Alfred • Lake Butler
• Lake City • Lake Como • Lake Geneva • Lake Hamilton
• Lake Harbor • Lake Helen • Lake Mary • Lake Monroe
• Lake Panasoffkee • Lake Placid • Lake Wales • Lake Worth
• Lakeland • Lamont • Lanark Village • Land O Lakes
• Largo • Laurel • Laurel Hill • Lawtey
• Lecanto • Lee • Leesburg • Lehigh Acres
• Lithia • Live Oak • Lloyd • Lochloosa
• Long Key • Longboat Key • Longwood • Lorida
• Loughman • Lowell • Loxahatchee • Lulu
• Lutz • Lynn Haven • Macclenny • Madison
• Maitland • Malabar • Malone • Mango
• Marathon • Marathon Shores • Marco Island • Marianna
• Mary Esther • Mascotte • Mayo • Mc Alpin
• Mc David • Mc Intosh • Melbourne • Melbourne Beach
• Melrose • Merritt Island • Mexico Beach • Miami
• Miami Beach • Miami Gardens • Mid Florida • Middleburg
• Midway • Milligan • Milton • Mims
• Minneola • Miramar • Molino • Monticello
• Montverde • Moore Haven • Morriston • Mossy Head
• Mount Dora • Mulberry • Murdock • Myakka City
• Nalcrest • Naples • Navarre • Neptune Beach
• New Port Richey • New Smyrna Beach • Newberry • Niceville
• Nichols • Nobleton • Nocatee • Nokomis
• Noma • North Fort Myers • North Miami Beach • North Palm Beach
• North Port • O Brien • Oak Hill • Oakland
• Ocala • Ochopee • Ocklawaha • Ocoee
• Odessa • Okahumpka • Okeechobee • Old Town
• Oldsmar • Olustee • Ona • Oneco
• Opa Locka • Orange City • Orange Lake • Orange Park
• Orange Springs • Orlando • Ormond Beach • Osprey
• Osteen • Otter Creek • Oviedo • Oxford
• Ozona • Pahokee • Paisley • Palatka
• Palm Bay • Palm Beach • Palm Beach Gardens • Palm City
• Palm Coast • Palm Harbor • Palmdale • Palmetto
• Panacea • Panama City • Panama City Beach • Parrish
• Patrick AFB • Paxton • Pembroke Pines • Penney Farms
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• Quincy • Raiford • Reddick • River Ranch
• Riverview • Rockledge • Roseland • Rosemary Beach
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• Saint Marks • Saint Petersburg • Salem • San Antonio
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• The Villages • Thonotosassa • Titusville • Trenton
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• Winter Springs • Woodville • Worthington Springs • Yalaha
• Yankeetown • Youngstown • Yulee • Zellwood
• Zephyrhills • Zolfo Springs

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