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Florida Payday Loans

Are you eligible for a payday loan online in Florida?

Payday lending is controlled in Florida, and there are some limitations as in every state. Generally, you must be 18 years of age, have an active checking account, be employed, and have a stable place of residence. Other qualifications may also be required.

Florida state laws place limits on:

  • The amount of your loan
  • The number of loans you can have outstanding
  • The length of your loan term
  • The fees and costs that you can be charged
  • The collection process if you are unable to pay back your loan

Payday loans Florida laws state that the amount of a payday loan cannot exceed $500.00. There are no exceptions*. All payday lenders in Tallahassee, Gainesville, Jacksonville, and nearby cities of Florida must be licensed to lend to you.

Payday lending is available to the residents of Florida but also to those who are thinking of moving there. Florida is one of the few states with this provision.

*Florida is expecting a new regulation to take effect in late 2019 that will allow payday lenders to offer loans up to $1,000 with a maximum term up to 90 days in length. But, check the Florida state website to see if, and when, this law takes effect. Licensed lenders will also know if this law is fully enacted and when.

How Online Payday Loans Work

We simplified the process. Apply for your payday loan online in Orlando, Florida in minutes, without driving around, tons of paperwork, and long waits.


Easy Application

Complete our online application. It's quick, easy, and secure.


Fast Decision

If you’re accepted you will be connected directly to your lender, usually within 90 seconds or less.


Get Your Cash

Cash is deposited in your account in as little as 1 business day.


Repay Your Loan

The original loan amount & any fees will be debited from your bank account on the due day.

Frequently Asked Questions About
Payday Loans Online in Florida

How many payday loans can I have in Florida? Can I have two payday loans at once?

These are really the same question since you can only have one (1) payday loan in Florida. It must be paid in full before you are eligible to receive another payday loan.

Is there a maximum term on payday loans?

Online payday loans have a term of 7-31 days and should never exceed 31 days. Rollovers are not allowed in Florida – so you should be sure you can repay the loan on the date you originally agreed to with your lender. However, there are repayment plans offered by most lenders.

Can I get a fast payday loan if I owe one?

No. You can only have one outstanding payday loan in Florida. Loans are tracked through a central database so there is no way to ‘game’ the system. When you pay back your loan, there is an additional 24-hour cooling-off period before you can apply for another payday loan.

Can I go to jail for not paying a payday loan in Florida?

No, criminal charges are prohibited in the state of Florida and a lender cannot take any criminal legal actions against a borrower who is unable to repay. Also, Florida law provides consumers in Florida with a 60-day grace period in case you are unable to repay on your scheduled date.

Can they garnish my wages for a payday loan?

A payday lender can only garnish your wages if they have a court order resulting from a lawsuit against you.

If you fail to pay off your loan, the payday lender (or a debt collector they have assigned your unpaid loan to) can sue you to collect. If they win, or if you do not dispute the claim, the court will enter an order or judgment against you. The order or judgment will state the amount of money you owe. The lender or collector can then get a garnishment order against you.

Garnishments happen when your employer or your bank holds an amount for the payday lender or collector within the guidelines established by Florida law.

Can I get an extension on a payday loan in Florida?

This is a tricky question because, as noted above, rollovers are not allowed in Florida. However, there are legal extensions available depending on your specific lender. Some do not have extensions. You should ask your lender if they offer extensions when you are first signing for your loan.

One final note, always ask your lender any questions you may have when you are first discussing a potential online payday loan and know that you are never obligated to accept a loan offer.

In need of immediate cash in Orlando, Florida? CLICK HERE to get started NOW!

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