Best Loans in Florida, Payday, Auto Title Laws 2020

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Last Update: October 12, 2020 Loans By State
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The Florida Consumer Finance Act caps lines of credit at $25,000. However, the ceiling does not apply to banks, savings institutions, trust companies, credit unions, industrial loan companies, investment companies, building and loan associations or pawnbrokers.

Licensed lenders can charge:

  • 30% annual interest on the first $3,000.
  • 24% annual interest on the next $3,001 to $4,000.
  • 18% annual interest on the next $4,001 to $25,000.

Other allowable charges include:

  • Up to $25 for conducting a credit check.
  • Up to $25 annually for managing the account.
  • For loans repaid monthly, a delinquency charge (after at least 10 days in default) of up to $15.
  • For loans repaid semi-monthly, a delinquency charge (after at least 10 days in default) of up to $7.50.
  • For loans repaid bi-weekly, a delinquency charge (after at least 10 days in default) of up to $7.50 when two payments are due within the same calendar month, and up to $5 when three payments are due within the same calendar month.
  • A bad check charge of up to $20 or the amount levied by the depository institution.

As well, if a borrower is overcharged, the lender must reimburse the funds within 20 days of discovering the error.

Best Bad Credit Loans in Florida 2020

Amount

$500 – $10,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

3 – 36 Months

Licensed in Florida

Not a direct lender

Amount

$100 - $10,000

Min Credit Score

0

APR

Vary by State

Approval

< 1 Day

Terms

1 - 60 Months

Licensed in Florida

Yes

Amount

$1,000 – $5,000

Min Credit Score

0

APR

Vary By State

Approval

< 1 Day

Terms

9 – 36 Months

Licensed in Florida

Yes

Amount

$100 – $1,000

Min Credit Score

0

APR

Vary By State

Approval

< 1 Day

Terms

7 – 30 Days

Licensed in Florida

Yes

Amount

$1,000 – $10,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

2 – 5 Years

Licensed in Florida

Not a direct lender

Amount

$1,000 – $50,000

Min Credit Score

500

APR

3.99% – 35.99%

Approval

< 1 Day

Terms

1 – 5 Years

Licensed in Florida

Yes

Amount

$1,000 – $35,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

2 – 5 Years

Licensed in Florida

Yes

Amount

$1,000 – $100,000

Min Credit Score

500

APR

5.34% – 35.99%

Approval

< 1 Day

Terms

90 Days – 72 Months

Licensed in Florida

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

4.99 - 35.99%

Approval

< 1 Day

Terms

12 - 120 months

Licensed in Florida

Yes

Amount

$1,000 – $35,000

Min Credit Score

580

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

90 Days – 72 Months

Licensed in Florida

Not a direct lender

For additional support, consult our guide on bad credit loans.

Best Personal Loans for Good Credit in Florida 2020

Amount

$1,000 - $100,000

Min Credit Score

0

APR

4.99 - 35.99%

Approval

1 Day

Terms

12 - 120 months

Licensed in Florida

Yes

Amount

$2,000 - $40,000

Min Credit Score

640

APR

7.95% - 35.99%

Approval

1 - 3 Days

Terms

36 - 60 months

Licensed in Florida

Yes

Amount

$1,000 – $100,000

Min Credit Score

0

APR

4.99 - 35.99%

Approval

1 Day

Terms

12 - 120 months

Licensed in Florida

Yes

Amount

$1,000 – $35,000

Min Credit Score

580

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

90 Days – 72 Months

Licensed in Florida

Yes

Amount

$1,000 – $50,000

Min Credit Score

500

APR

3.99% – 35.99%

Approval

< 1 Day

Terms

1 – 5 Years

Licensed in Florida

Yes

Amount

$1,000 – $35,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

2 – 5 Years

Licensed in Florida

Yes

Amount

$1,000 – $50,000

Min Credit Score

600

APR

7.99% - 35.97%

Approval

< 1 Day

Terms

3 - 5 Years

Licensed in Florida

Yes

Amount

$5,000 – $35,000

Min Credit Score

640

APR

5.99% – 24.99%

Approval

1 – 7 Days

Terms

2 - 5 Years

Licensed in Florida

Yes

Amount

$2,500-$35,000

Min Credit Score

660

APR

6.99-24.99%

Approval

1 Day

Terms

24 - 84 Months

Licensed in Florida

Yes

Amount

$7,500 - $40,000

Min Credit Score

680

APR

6 - 15%

Approval

1 - 7 Days

Terms

36 - 84 months

Licensed in Florida

Yes

To help with your search, see our full list of recommended lenders.

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Payday Loan Laws in Florida 2020

Maximum Loan Amount: $500

Minimum Loan Term: 7 days

Maximum Loan Term: 31 days

Maximum Fee: 10% + $5 verification fee

Maximum APR: 304%

Rollovers: Prohibited

Loan Limit: 1 per customer

Payday loans are legal in Florida.

You can borrow up to $500 and the maximum finance charge is 10% of the amount borrowed plus a $5 verification fee. Borrowers can only have one payday loan at a time and a 24-hour cooling off period is required before you can apply for another loan. The waiting period is used to help borrowers find alternative financing.

If you default on the loan, you have a 60-day grace period to gather the funds without incurring any additional charges. However, to be eligible, you need to contact a Consumer Credit Counseling Service within 7 days of the default and complete a counseling program within the 60-day grace period.

Payday Loan Laws in Florida by Country

ElitePersonalFinance analysis of payday loan laws by countries in the State of Florida.

We haven’t found a significant difference between the payday loan laws in Florida. If you are with bad credit, here are the laws in Florida by country.

City Amount Allowed APR Allowed Status
Jacksonville $500 304% Legal
Miami $500 304% Legal
Tampa $500 304% Legal
Orlando $500 304% Legal
St. Petersburg $500 304% Legal
Hialeah $500 304% Legal
Tallahassee $500 304% Legal
Port St. Lucie $500 304% Legal
Fort Lauderdale $500 304% Legal
Cape Coral $500 304% Legal
Pembroke Pines $500 304% Legal
Hollywood $500 304% Legal
Miramar $500 304% Legal
Coral Springs $500 304% Legal
Gainesville $500 304% Legal
Lehigh Acres $500 304% Legal
Clearwater $500 304% Legal
Brandon $500 304% Legal
Miami Gardens $500 304% Legal
Palm Bay $500 304% Legal
Pompano Beach $500 304% Legal
West Palm Beach $500 304% Legal
Spring Hill $500 304% Legal
Lakeland $500 304% Legal
Davie $500 304% Legal
Boca Raton $500 304% Legal
Sunrise $500 304% Legal
Plantation city $500 304% Legal
Miami Beach $500 304% Legal
Riverview $500 304% Legal
Deltona $500 304% Legal
Alafaya $500 304% Legal
Town ‘n’ Country $500 304% Legal
Palm Coast $500 304% Legal
Largo $500 304% Legal
Melbourne $500 304% Legal
Deerfield Beach $500 304% Legal
The Villages $500 304% Legal
Fort Myers $500 304% Legal
Boynton Beach $500 304% Legal
Pine Hills $500 304% Legal
Kendall $500 304% Legal
Lauderhill $500 304% Legal
Weston $500 304% Legal
Kissimmee $500 304% Legal
Homestead $500 304% Legal
Delray Beach $500 304% Legal
Poinciana $500 304% Legal
Daytona Beach $500 304% Legal
Tamarac $500 304% Legal
North Port $500 304% Legal
Wellington $500 304% Legal
Jupiter $500 304% Legal
Palm Harbor $500 304% Legal
Port Orange $500 304% Legal
North Miami $500 304% Legal
Port Charlotte $500 304% Legal
The Hammocks $500 304% Legal
Coconut Creek $500 304% Legal
Fountainebleau $500 304% Legal
Sanford $500 304% Legal
Ocala $500 304% Legal
Kendale Lakes $500 304% Legal
Doral $500 304% Legal
Tamiami $500 304% Legal
Margate $500 304% Legal
Sarasota $500 304% Legal
Bradenton $500 304% Legal
Wesley Chapel $500 304% Legal
Palm Beach Gardens $500 304% Legal
Bonita Springs $500 304% Legal
Pensacola $500 304% Legal
Pinellas Park $500 304% Legal
Coral Gables $500 304% Legal
Apopka $500 304% Legal
Country Club $500 304% Legal
St. Cloud $500 304% Legal
University CDP $500 304% Legal
Titusville $500 304% Legal
North Miami Beach $500 304% Legal
Fort Pierce $500 304% Legal
Ocoee $500 304% Legal
Cutler Bay $500 304% Legal
Oakland Park $500 304% Legal
North Lauderdale $500 304% Legal
Altamonte Springs $500 304% Legal
Winter Garden $500 304% Legal
Ormond Beach $500 304% Legal
North Fort Myers $500 304% Legal
Greenacres $500 304% Legal
The Acreage $500 304% Legal
Winter Haven $500 304% Legal
Oviedo $500 304% Legal
Kendall West $500 304% Legal
Hallandale Beach $500 304% Legal
Four Corners $500 304% Legal
Royal Palm Beach $500 304% Legal
Valrico $500 304% Legal
Plant City $500 304% Legal
Richmond West $500 304% Legal
South Miami Heights $500 304% Legal
Aventura $500 304% Legal
Lake Worth $500 304% Legal
Egypt Lake-Leto $500 304% Legal
Land O’ Lakes $500 304% Legal
Panama City $500 304% Legal
Merritt Island $500 304% Legal
Dunedin $500 304% Legal
Meadow Woods $500 304% Legal
University $500 304% Legal
Winter Springs $500 304% Legal
Navarre $500 304% Legal
Cooper City $500 304% Legal
Lauderdale Lakes $500 304% Legal
Carrollwood $500 304% Legal
Golden Glades $500 304% Legal
Ferry Pass $500 304% Legal
Riviera Beach $500 304% Legal
Buenaventura Lakes $500 304% Legal
Clermont $500 304% Legal
West Little River $500 304% Legal
Fruit Cove $500 304% Legal
Horizon West $500 304% Legal
East Lake $500 304% Legal
Estero $500 304% Legal
Dania Beach $500 304% Legal
DeLand $500 304% Legal
Miami Lakes $500 304% Legal
Lakeside $500 304% Legal
Princeton $500 304% Legal
Parkland $500 304% Legal
Westchester $500 304% Legal
Winter Park $500 304% Legal
Golden Gate $500 304% Legal
Lake Magdalene $500 304% Legal
East Lake-Orient Park $500 304% Legal
Fleming Island $500 304% Legal
Casselberry $500 304% Legal
Oakleaf Plantation $500 304% Legal
Rockledge $500 304% Legal
Immokalee $500 304% Legal
Bayonet Point $500 304% Legal
Citrus Park $500 304% Legal
University Park $500 304% Legal
Leisure City $500 304% Legal
Temple Terrace $500 304% Legal
New Smyrna Beach $500 304% Legal
South Bradenton $500 304% Legal
Coral Terrace $500 304% Legal
Palm City $500 304% Legal
Key West $500 304% Legal
Tarpon Springs $500 304% Legal
Palm Springs $500 304% Legal
Keystone $500 304% Legal
Palmetto Bay $500 304% Legal
Sebastian $500 304% Legal
Vero Beach South $500 304% Legal
Hialeah Gardens $500 304% Legal
Bloomingdale $500 304% Legal
Pace $500 304% Legal
Oak Ridge $500 304% Legal
Crestview $500 304% Legal
Westchase $500 304% Legal
Palm River-Clair Mel $500 304% Legal
The Crossings $500 304% Legal
Sun City Center $500 304% Legal
Ruskin $500 304% Legal
Haines City $500 304% Legal
Wekiwa Springs $500 304% Legal
Jacksonville Beach $500 304% Legal
Wright $500 304% Legal
Ensley $500 304% Legal
Hunters Creek $500 304% Legal
Ives Estates $500 304% Legal
Venice $500 304% Legal
Northdale $500 304% Legal
Leesburg $500 304% Legal
Sunny Isles Beach $500 304% Legal
Brent $500 304% Legal
Edgewater $500 304% Legal
Fort Walton Beach $500 304% Legal
Jasmine Estates $500 304% Legal
Naples $500 304% Legal
Palm Valley $500 304% Legal
Holiday $500 304% Legal
West Melbourne $500 304% Legal
Lutz $500 304% Legal
Florida Ridge $500 304% Legal
Lealman $500 304% Legal
Bellview $500 304% Legal
West Pensacola $500 304% Legal
Sweetwater $500 304% Legal
Lynn Haven $500 304% Legal
DeBary $500 304% Legal
Bayshore Gardens $500 304% Legal
Eustis $500 304% Legal
Fish Hawk $500 304% Legal
Apollo Beach $500 304% Legal
Pinecrest $500 304% Legal
Belle Glade $500 304% Legal
Punta Gorda $500 304% Legal
Bartow $500 304% Legal
Lake Butler CDP $500 304% Legal
Seminole $500 304% Legal
Cocoa $500 304% Legal
Gibsonton $500 304% Legal
Glenvar Heights $500 304% Legal
San Carlos Park $500 304% Legal
Midway CDP $500 304% Legal
Marco Island $500 304% Legal
Safety Harbor $500 304% Legal
Maitland $500 304% Legal
Ojus $500 304% Legal
Brownsville $500 304% Legal
Country Walk $500 304% Legal
Upper Grand Lagoon $500 304% Legal
Pinewood $500 304% Legal
Myrtle Grove $500 304% Legal
Vero Beach $500 304% Legal
World Golf Village $500 304% Legal
Opa-locka $500 304% Legal
Lake Mary $500 304% Legal
Tavares $500 304% Legal
Stuart $500 304% Legal
Three Lakes $500 304% Legal
Palmetto Estates $500 304% Legal
New Port Richey $500 304% Legal
Sarasota Springs $500 304% Legal
Sunset $500 304% Legal
Lake Wales $500 304% Legal
Auburndale $500 304% Legal
Englewood $500 304% Legal
Callaway $500 304% Legal
Lady Lake $500 304% Legal
Bellair-Meadowbrook Terrace $500 304% Legal
Southchase $500 304% Legal
West Lealman $500 304% Legal
Niceville $500 304% Legal
West Park $500 304% Legal
Zephyrhills $500 304% Legal
Azalea Park $500 304% Legal
Lockhart $500 304% Legal
Longwood $500 304% Legal
Olympia Heights $500 304% Legal
Warrington $500 304% Legal
Oldsmar $500 304% Legal
South Venice $500 304% Legal
Iona $500 304% Legal
Miami Springs $500 304% Legal
Forest City $500 304% Legal
St. Augustine $500 304% Legal
Thonotosassa $500 304% Legal
Gonzalez $500 304% Legal
Hobe Sound $500 304% Legal
Fruitville $500 304% Legal
Mount Dora $500 304% Legal
Conway $500 304% Legal
Palmetto $500 304% Legal
Homosassa Springs and Jensen Beach $500 304% Legal
Destin $500 304% Legal
Middleburg $500 304% Legal
Atlantic Beach $500 304% Legal
Gladeview $500 304% Legal
Nocatee $500 304% Legal
Union Park $500 304% Legal
Goldenrod $500 304% Legal
Cypress Lake $500 304% Legal
East Milton and Key Biscayne $500 304% Legal
North Palm Beach $500 304% Legal
South Daytona $500 304% Legal
Panama City Beach $500 304% Legal
Elfers $500 304% Legal
Lakewood Park $500 304% Legal
Yulee $500 304% Legal
Wilton Manors $500 304% Legal
Hudson $500 304% Legal
Groveland $500 304% Legal
Shady Hills $500 304% Legal
Lakeland Highlands $500 304% Legal
Gulfport $500 304% Legal
South Miami $500 304% Legal
Westwood Lakes $500 304% Legal
Florida City $500 304% Legal
Fernandina Beach $500 304% Legal
Holly Hill $500 304% Legal
Villas $500 304% Legal
Jupiter Farms $500 304% Legal
Lake City $500 304% Legal
Port St. John $500 304% Legal
Pine Castle $500 304% Legal
Cocoa Beach $500 304% Legal
Goulds $500 304% Legal
Orange City $500 304% Legal
Richmond Heights $500 304% Legal
Lantana $500 304% Legal
Doctor Phillips $500 304% Legal
Port Salerno $500 304% Legal
Fairview Shores $500 304% Legal
Mango $500 304% Legal
Viera East $500 304% Legal
Viera West $500 304% Legal
Lighthouse Point $500 304% Legal
Westview $500 304% Legal
Minneola $500 304% Legal
Gulf Gate Estates $500 304% Legal
Satellite Beach $500 304% Legal
Naranja $500 304% Legal
Miami Shores $500 304% Legal
Trinity $500 304% Legal
Highland City $500 304% Legal
Sebring $500 304% Legal
Cheval $500 304% Legal
Gateway $500 304% Legal
West Perrine $500 304% Legal
Avon Park $500 304% Legal
Cypress Gardens $500 304% Legal
Fuller Heights $500 304% Legal
Palatka $500 304% Legal
Pine Ridge CDP $500 304% Legal
Cape Canaveral $500 304% Legal
Pasadena Hills $500 304% Legal
New Port Richey East $500 304% Legal
Progress Village $500 304% Legal
Westgate $500 304% Legal
Bee Ridge $500 304% Legal
Key Largo $500 304% Legal
Alachua $500 304% Legal
Milton $500 304% Legal
Medulla and Gifford $500 304% Legal
St. Pete Beach $500 304% Legal
Bardmoor $500 304% Legal
Asbury Lake $500 304% Legal
Laurel $500 304% Legal
Springfield $500 304% Legal
Bithlo $500 304% Legal
St. Augustine Shores $500 304% Legal
Beverly Hills $500 304% Legal
Celebration $500 304% Legal
North Sarasota $500 304% Legal
Silver Springs Shores $500 304% Legal
Micco $500 304% Legal
Rotonda $500 304% Legal
Sugarmill Woods $500 304% Legal
Memphis $500 304% Legal
Seffner $500 304% Legal
Miramar Beach $500 304% Legal
Marathon $500 304% Legal
Hernando $500 304% Legal
Orange Park $500 304% Legal
Palm Beach $500 304% Legal
West Vero Corridor $500 304% Legal
Odessa $500 304% Legal
Lake Park $500 304% Legal
Citrus Springs $500 304% Legal
Indian Harbour Beach $500 304% Legal
Venice Gardens $500 304% Legal
Fern Park $500 304% Legal
Pebble Creek $500 304% Legal
North Bay Village $500 304% Legal
Broadview Park $500 304% Legal
McGregor $500 304% Legal
Brooksville $500 304% Legal
Williamsburg $500 304% Legal
Arcadia $500 304% Legal
Southwest Ranches $500 304% Legal
North Weeki Wachee $500 304% Legal
Southeast Arcadia $500 304% Legal
West Samoset $500 304% Legal
Wedgefield $500 304% Legal
Clewiston $500 304% Legal
Inwood $500 304% Legal
Green Cove Springs $500 304% Legal
Wimauma $500 304% Legal
Quincy $500 304% Legal
Citrus Hills $500 304% Legal
West Miami $500 304% Legal
Southgate $500 304% Legal
Ormond-by-the-Sea $500 304% Legal
Marianna $500 304% Legal
Longboat Key $500 304% Legal
Sanibel $500 304% Legal
Inverness $500 304% Legal
Lake Lorraine $500 304% Legal
Neptune Beach $500 304% Legal
Fort Pierce North $500 304% Legal
Osprey $500 304% Legal
Fort Myers Shores $500 304% Legal
Dade City and Fort Myers Beach $500 304% Legal
Indiantown $500 304% Legal
Willow Oak $500 304% Legal
Perry $500 304% Legal
Indian River Estates $500 304% Legal
Live Oak $500 304% Legal
St. Augustine Beach $500 304% Legal
Treasure Island $500 304% Legal
Beacon Square $500 304% Legal
Belle Isle $500 304% Legal
River Park $500 304% Legal
South Patrick Shores $500 304% Legal
Naples Manor $500 304% Legal
Crystal Lake $500 304% Legal
Pembroke Park $500 304% Legal
Fruitland Park $500 304% Legal
Lauderdale-by-the-Sea $500 304% Legal
Orlovista $500 304% Legal
Wildwood $500 304% Legal
Kathleen $500 304% Legal
Macclenny $500 304% Legal
Islamorada, Village of Islands $500 304% Legal
Jan Phyl Village $500 304% Legal
Gulf Breeze $500 304% Legal
Heathrow $500 304% Legal
Lely Resort $500 304% Legal
South Gate Ridge $500 304% Legal
Combee Settlement $500 304% Legal
Inverness Highlands South $500 304% Legal
Lecanto $500 304% Legal
DeFuniak Springs $500 304% Legal
Naples Park $500 304% Legal
Mims $500 304% Legal
Pahokee $500 304% Legal
Cocoa West $500 304% Legal
Sky Lake $500 304% Legal
South Apopka $500 304% Legal
Fort Meade $500 304% Legal
Tequesta $500 304% Legal
Ocean City $500 304% Legal
Bay Harbor Islands $500 304% Legal
High Springs $500 304% Legal
Pelican Bay $500 304% Legal
Surfside $500 304% Legal
Newberry $500 304% Legal
St. Augustine South $500 304% Legal
Siesta Key $500 304% Legal
Okeechobee $500 304% Legal
Fellsmere $500 304% Legal
Mount Plymouth $500 304% Legal
Lake Alfred $500 304% Legal
Mascotte $500 304% Legal
Palm Springs North $500 304% Legal
Wahneta $500 304% Legal
Starke $500 304% Legal
Rio Pinar $500 304% Legal
South Highpoint $500 304% Legal
South Sarasota $500 304% Legal
Floral City $500 304% Legal
Timber Pines $500 304% Legal
Zephyrhills West $500 304% Legal
Samsula-Spruce Creek $500 304% Legal
Pine Manor $500 304% Legal
Hutchinson Island South $500 304% Legal
River Ridge $500 304% Legal
Zephyrhills South $500 304% Legal
Warm Mineral Springs $500 304% Legal
Tice $500 304% Legal
South Bay $500 304% Legal
LaBelle $500 304% Legal
South Pasadena $500 304% Legal
Bay Hill $500 304% Legal
Valparaiso $500 304% Legal
Whiskey Creek $500 304% Legal
Plantation $500 304% Legal
Kenneth City $500 304% Legal
Port LaBelle $500 304% Legal
Loughman $500 304% Legal
Flagler Beach $500 304% Legal
Butler Beach $500 304% Legal
Sawgrass $500 304% Legal
Big Pine Key $500 304% Legal
Vamo $500 304% Legal
Wauchula $500 304% Legal
Belleview $500 304% Legal
Nassau Village-Ratliff $500 304% Legal
Lake Sarasota $500 304% Legal
Ridge Manor $500 304% Legal
Kensington Park $500 304% Legal
Parker $500 304% Legal
White City $500 304% Legal
Brookridge $500 304% Legal
Pea Ridge $500 304% Legal
Crawfordville $500 304% Legal
Connerton $500 304% Legal
Cortez $500 304% Legal
Lochmoor Waterway Estates $500 304% Legal
Daytona Beach Shores $500 304% Legal
Stock Island $500 304% Legal
Fort Pierce South $500 304% Legal
The Meadows $500 304% Legal
Moon Lake $500 304% Legal
West Bradenton $500 304% Legal
Three Oaks and Suncoast Estates $500 304% Legal
Dundee $500 304% Legal
West DeLand $500 304% Legal
Samoset $500 304% Legal
Goulding $500 304% Legal
Madeira Beach $500 304% Legal
June Park $500 304% Legal
Orangetree $500 304% Legal
Mary Esther $500 304% Legal
Lake Belvedere Estates $500 304% Legal
Indian Rocks Beach $500 304% Legal
Lower Grand Lagoon $500 304% Legal
Holmes Beach $500 304% Legal
Taylor Creek $500 304% Legal
Indian River Shores $500 304% Legal
Ridge Wood Heights and Davenport $500 304% Legal
Laguna Beach $500 304% Legal
Jasper $500 304% Legal
Grant-Valkaria $500 304% Legal
Belleair $500 304% Legal
Charlotte Harbor $500 304% Legal
Buckingham and Mulberry $500 304% Legal
Fussels Corner $500 304% Legal
South Brooksville $500 304% Legal
Vineyards $500 304% Legal
San Castle $500 304% Legal
Highland Beach $500 304% Legal
Montura $500 304% Legal
Ellenton $500 304% Legal
Balm $500 304% Legal
High Point $500 304% Legal
Umatilla $500 304% Legal
Pretty Bayou $500 304% Legal
Alturas $500 304% Legal
North River Shores $500 304% Legal
Feather Sound $500 304% Legal
Lake Clarke Shores $500 304% Legal
Harbour Heights $500 304% Legal
Tierra Verde $500 304% Legal
South Beach $500 304% Legal
Juno Beach $500 304% Legal
Chipley $500 304% Legal
Lely $500 304% Legal
Watertown $500 304% Legal
Whitfield $500 304% Legal
Holden Heights $500 304% Legal
Royal Palm Estates $500 304% Legal
Flagler Estates $500 304% Legal
Loxahatchee Groves $500 304% Legal
Bagdad $500 304% Legal
Port St. Joe $500 304% Legal
Point Baker $500 304% Legal
St. James City $500 304% Legal
Ridgecrest $500 304% Legal
Tyndall AFB $500 304% Legal
Cedar Grove $500 304% Legal
Island Walk $500 304% Legal
Desoto Lakes $500 304% Legal
Windermere $500 304% Legal
Nokomis $500 304% Legal
Lake Panasoffkee $500 304% Legal
Midway city $500 304% Legal
Cleveland $500 304% Legal
Melbourne Beach $500 304% Legal
Bay Pines $500 304% Legal
Ponce Inlet $500 304% Legal
Frostproof $500 304% Legal
Biscayne Park $500 304% Legal
North Brooksville $500 304% Legal
Hilliard $500 304% Legal
Tiger Point $500 304% Legal
Chattahoochee $500 304% Legal
Crystal River $500 304% Legal
Zellwood $500 304% Legal
Sharpes $500 304% Legal
Bushnell $500 304% Legal
Dade City North $500 304% Legal
Dover $500 304% Legal
Bal Harbour $500 304% Legal

Car Title Loans in Florida 2020 

Car title loans are legal in Florida.

However, any unlicensed loans are immediately void – with both principal and interest forfeited.

Chapter 537 of Florida’s title loan statute allows licensed lenders to charge:

  • 30% annual interest on the first $2,000.
  • 24% annual interest on the next $2,001 to $3,000.
  • 18% annual interest on any balance > $3,000.

The legislation also stipulates the “maximum annual percentage rate that may be charged is 12 times the maximum monthly rate, and the maximum monthly rate must be computed on the basis of one-twelfth of the annual rate for each month.” Rollovers are allowed, as loans can be extended one or more 30-day periods if mutually agreed upon by the lender and the borrower.

However, when in default, the lender can immediately seize your car. But it needs to do so through a licensed agent. When the lender sells the vehicle, it must notify you 10 days in advance of the transaction. After a sale occurs, you are no longer liable for any payments. However, if the lender earns a surplus on the sale, it must return the excess amount to you within 30 days.

Alternative Payday Loans in Florida 

As a reputable alternative lender, OppLoans is licensed in the state of Florida. Through FinWise Bank –which is regulated by the Federal Deposit Insurance Corporation (FDIC) – OppLoans services loans that are approved and underwritten by FinWise.

Typical installment loans in Florida range from $500 to $4,000 and have average APRs of 160%. As well, terms range from 9 to 18 months.

Best Auto Loans for Bad Credit in Florida 2020

Amount

$1,000 - $100,000

Min Credit Score

0

APR

From 1.99%

Licensed in Florida

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

From 1.99%

Licensed in Florida

Yes

Amount

Up to $100,000

Min Credit Score

0

APR

Vary

Licensed in Florida

Yes

Amount

Up to $100,000

Min Credit Score

0

APR

Vary

Licensed in Florida

Yes

Amount

Up to $100,000

Min Credit Score

0

APR

Vary

Licensed in Florida

Yes

Amount

$8,000 - $100,000

Min Credit Score

500

APR

2.74% - 27%

Licensed in Florida

Yes

Amount

$1,000 - $100,000

Min Credit Score

500

APR

From 3.09%

Licensed in Florida

Yes

Amount

$250 - $500,000

Min Credit Score

640

APR

2.99% - 21.99%

Licensed in Florida

Yes

Amount

$1,500 - $20,000

Min Credit Score

0

APR

18.00% - 35.99%

Licensed in Florida

Yes

Amount

$1,000 - $45,000

Min Credit Score

0

APR

From 0.99%

Licensed in Florida

Yes

Amount

$1,000 - $35,000

Min Credit Score

0

APR

From 1.99%

Licensed in Florida

Yes

Amount

$7,500 - $50,000

Min Credit Score

500

APR

From 3.39%

Licensed in Florida

Yes

Amount

$5,000 – $55,000

Min Credit Score

510

APR

3.99% - 24.99%

Licensed in Florida

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

3.90% - 27.90%

Licensed in Florida

Yes

Best Auto Loans for Good Credit in Florida 2020

Amount

$1,000 - $100,000

Min Credit Score

0

APR

From 1.99%

Licensed in Florida

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

From 1.99%

Licensed in Florida

Yes

Amount

$1,000 - $100,000

Min Credit Score

500

APR

From 3.09%

Licensed in Florida

Yes

Amount

$250 - $500,000

Min Credit Score

640

APR

2.99% - 21.99%

Licensed in Florida

Yes

Amount

$5,000-$100,000

Min Credit Score

660

APR

4.99% to 9.19%

Licensed in Florida

Yes

Amount

$7,500 - $50,000

Min Credit Score

500

APR

From 3.39%

Licensed in Florida

Yes

Amount

$8,000 - $100,000

Min Credit Score

500

APR

2.74% - 27%

Licensed in Florida

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

3.90% - 27.90%

Licensed in Florida

Yes

Amount

$3,000 - $100,000

Min Credit Score

650

APR

From 3.12%

Licensed in Florida

Yes

Amount

$5,000 - $100,000

Min Credit Score

640

APR

From 3.54%

Licensed in Florida

Yes

Amount

$5,000 – $55,000

Min Credit Score

510

APR

3.99% - 24.99%

Licensed in Florida

Yes

Amount

$5,000 - $100,000

Min Credit Score

600

APR

3.54% - 10.24%

Licensed in Florida

Yes

Amount

$1,500 - $20,000

Min Credit Score

0

APR

18.00% - 35.99%

Licensed in Florida

Yes

Credit Unions in Florida

Name: APR: Amount:
Suncoast Credit Union 9.25%+ Up to $30,000
VyStar Credit Union 7.99% – 14% $750 – $100,000

Suncoast Credit Union

At Suncoast Credit Union, you can choose from three types of personal loans:

  • Signature Loans allow you to borrow upwards of $30,000 with APRs as low as 10.5%. Terms extend up to 60 months and loans are unsecured so no collateral is required.
  • Computer Loans vary by amount, but APRs are as low as 9.25%. Financing is available for computers, monitors and printers and terms extend up to 36 months.
  • Personal Credit Lines allow you to borrow up to $30,000 and APRs are as low as 9.5%. Your minimum monthly payment is 3% of the outstanding balance.

Suncoast operates 9 branches across Florida, with locations in Riverview, Brandon, Odessa and Tampa.

VyStar Credit Union

Like Suncoast, VyStar Credit Union also has three personal loan options:

  • Pay & Save Loans are VyStar’s payday loan alternative. You can borrow up to $750 with an APR of 14%. Loans are repaid within 6 months, but 10% of the proceeds must be deposited in a VyStar savings account until the balance is paid-in-full. However, the product is a great way to avoid predatory payday loans.
  • Personal Credit Lines allow you to borrow anywhere from $300 to $100,000. APRs are set at 13.24%, however, they fluctuate with the Wall Street Journal Prime Rate. As well, your minimum monthly payment is 3% of the outstanding balance or $25 – whichever is greater.
  • Signature Loans allow you to borrow anywhere from $300 to $100,000 and APRs vary by term.

Signature Loan APRs are structured as:

  • Up to 12 months: 7.99%.
  • 13 to 24 months: 8.25%.
  • 25 to 36 months: 8.49%.
  • 37 to 48 months: 9.25%.
  • 49 to 60 months: 9.49%.
  • 61 to 72 months: 10.99%.
  • 73 to 84 months: 11.49%.

VyStar operates branches across Florida, with locations in Jacksonville, Orange Park, Middleburg, Neptune Beach as well as many others.

All Licensed Credit Unions in Florida

Name City Size (Millions) Members
SUNCOAST SCHOOLS FEDERAL CREDIT UNION Tampa $4,928.57 520428
VYSTAR CREDIT UNION Jacksonville $4,389.88 405916
SPACE COAST CREDIT UNION Melbourne $3,026.22 376465
GTE FEDERAL CREDIT UNION Tampa $1,451.48 176486
GROW FINANCIAL FEDERAL CREDIT UNION Tampa $1,732.92 154590
MIDFLORIDA CREDIT UNION Lakeland $1,597.45 154556
FAIRWINDS CREDIT UNION Orlando $1,581.75 147636
CENTRAL FLORIDA EDUCATORS FEDERAL CREDIT UNION Lake Mary $1,290.59 121171
PUBLIX EMPLOYEES FEDERAL CREDIT UNION Lakeland $631.42 116952
EGLIN FEDERAL CREDIT UNION Fort Walton Beach $1,408.38 109962
PEN AIR FEDERAL CREDIT UNION Pensacola $1,120.06 106785
COMMUNITY FIRST CREDIT UNION OF FLO Jacksonville $1,135.65 104959
TYNDALL FEDERAL CREDIT UNION Panama City $1,074.82 103179
DADE COUNTY FEDERAL CREDIT UNION Doral $527.73 98437
ACHIEVA CREDIT UNION Clearwater $967.25 97307
IBM SOUTHEAST EMPLOYEES FEDERAL CREDIT UNION Boca Raton $831.42 73640
CAMPUS USA CREDIT UNION Gainesville $1,080.64 63497
SOUTH FLORIDA EDUCATIONAL FEDERAL CREDIT UNION Miami $772.33 63444
MCCOY FEDERAL CREDIT UNION Orlando $431.69 59527
INSIGHT CREDIT UNION Orlando $435.53 54341
TROPICAL FINANCIAL CREDIT UNION Miramar $562.28 54149
KENNEDY SPACE CENTER FEDERAL CREDIT UNION Merritt Island $566.84 51814
FLORIDA CREDIT UNION Gainesville $459.53 49486
GULF WINDS FEDERAL CREDIT UNION Pensacola $397.27 48951
BRIGHTSTAR CREDIT UNION Fort Lauderdale $349.36 47348
CITY COUNTY CU OF FORT LAUDERDALE CREDIT UNION Margate $295.61 45831
FLORIDA CENTRAL CREDIT UNION Tampa $356.12 45752
POWER FINANCIAL CREDIT UNION Pembroke Pines $491.72 42641
FIRST FLORIDA CREDIT UNION Jacksonville $390.13 38660
FLORIDA COMMERCE CREDIT UNION Tallahassee $349.23 36233
121 FINANCIAL CREDIT UNION Jacksonville $420.19 36172
USF FEDERAL CREDIT UNION Tampa $400.34 33482
COMMUNITY CREDIT UNION Rockledge $383.81 32502
JAX FEDERAL CREDIT UNION Jacksonville $302.72 30909
ENVISION CREDIT UNION Tallahassee $229.64 30080
PBC CREDIT UNION West Palm Beach $103.90 29520
TAMPA BAY FEDERAL CREDIT UNION Tampa $212.29 27289
SUNSTATE FEDERAL CREDIT UNION Gainesville $282.59 26948
UNIVERSITY CREDIT UNION Miami $182.35 26187
VELOCITY COMMUNITY FEDERAL CREDIT UNION Palm Beach $262.56 25446
RAILROAD & INDUSTRIAL FEDERAL CREDIT UNION Tampa $260.75 24466
STATE EMPLOYEES CREDIT UNION Jacksonville $299.62 23858
ORLANDO FEDERAL CREDIT UNION Orlando $160.60 21044
GOLD COAST FEDERAL CREDIT UNION West Palm Beach $120.80 19693
INNOVATIONS FEDERAL CREDIT UNION Panama City $144.30 17089
JETSTREAM FEDERAL CREDIT UNION Miami Lakes $127.20 16605
MEMBERS FIRST CREDIT UNION OF FLORI Pensacola $141.35 16294
FIRST COAST COMMUNITY CREDIT UNION Palatka $96.60 15578
HEALTHCARE’S COOPERATIVE CREDIT UNION Jacksonville $107.26 15383
MARTIN FEDERAL CREDIT UNION Orlando $113.38 15090
FLORIDA STATE UNIVERSITY CREDIT UNION Tallahassee $115.52 14441
MIAMI POSTAL SERVICE CREDIT UNION Miami $110.46 13871
HARVESTERS FEDERAL CREDIT UNION Cantonment $116.98 13677
PINELLAS FEDERAL CREDIT UNION Largo $84.78 13561
PEOPLES CREDIT UNION Pembroke Pines $74.48 13252
CENTRAL CREDIT UNION OF FLORIDA Pensacola $114.70 13176
FIRST CHOICE CREDIT UNION West Palm Beach $101.91 12576
COASTLINE FEDERAL CREDIT UNION Jacksonville $123.12 12182
MAGNIFY CREDIT UNION Mulberry $85.23 11744
FOCUS CREDIT UNION Chattahoochee $119.61 11668
PANHANDLE EDUCATORS FEDERAL CREDIT UNION Panama City $113.84 11450
SAN ANTONIO CITIZENS FEDERAL CREDIT UNION San Antonio $126.82 11295
FINANCIAL FEDERAL CREDIT UNION Miami $55.63 10969
SANTA ROSA COUNTY FEDERAL CREDIT UNION Milton $80.95 10912
KEYS FEDERAL CREDIT UNION Key West $125.48 10045
BAPTIST HEALTH SOUTH FLORIDA FEDERAL CREDIT UNION Miami $43.13 9570
INDIAN RIVER FEDERAL CREDIT UNION Vero Beach $53.95 9458
PRIORITY ONE CREDIT UNION Sunrise $70.48 9453
BROWARD HEALTHCARE FEDERAL CREDIT UNION Fort Lauderdale $52.69 9255
BUCKEYE COMMUNITY FEDERAL CREDIT UNION Perry $68.14 9206
CENTRAL FLORIDA POSTAL CREDIT UNION Orlando $56.04 9087
BAY CREDIT UNION Panama City $66.37 9072
MEMORIAL EMPLOYEES FEDERAL CREDIT UNION Hollywood $47.52 8881
FLORIDA WEST COAST CREDIT UNION Brandon $78.88 8866
FLORIDA HOSPITAL CREDIT UNION Altamonte Springs $37.44 8273
OKALOOSA COUNTY TEACHERS FEDERAL CREDIT UNION Crestview $64.91 7768
COMMUNITY SOUTH CREDIT UNION Chipley $88.86 7717
TAMPA POSTAL FEDERAL CREDIT UNION Tampa $58.61 7498
J. M. ASSOCIATES FEDERAL CREDIT UNION Jacksonville $90.97 7044
DUVAL FEDERAL CREDIT UNION Jacksonville $54.46 6726
FLORIDA TRANSPORTATION CREDIT UNION Fort Lauderdale $61.68 6670
BAY PINES FEDERAL CREDIT UNION Bay Pines $46.88 6518
CITY & POLICE FEDERAL CREDIT UNION Jacksonville $67.13 6453
T M H FEDERAL CREDIT UNION Tallahassee $46.31 6450
TALLAHASSEE-LEON FEDERAL CREDIT UNION Tallahassee $38.51 6259
HCA FEDERAL CREDIT UNION Gainesville $28.14 6199
SUN CREDIT UNION Hollywood $55.40 6039
S C O R E FEDERAL CREDIT UNION Tallahassee $49.25 5637
RYDER SYSTEM FEDERAL CREDIT UNION Miami $41.86 5571
SEMINOLE SCHOOLS FEDERAL CREDIT UNION Sanford $35.97 5402
FIRST CREDIT UNION OF GAINESVILLE Gainesville $46.61 5377
DARDEN EMPLOYEES FEDERAL CREDIT UNION Orlando $21.35 5373
FLAG CREDIT UNION Tallahassee $35.86 5365
MIAMI FIREFIGHTERS FEDERAL CREDIT UNION Miami $75.17 4688
COUNTRY FEDERAL CREDIT UNION Macclenny $49.72 4649
POWERNET CREDIT UNION Tampa $72.21 4550
CORAL COMMUNITY FEDERAL CREDIT UNION Fort Lauderdale $23.12 4526
JAX METRO CU CREDIT UNION Jacksonville $36.63 4493
JACKSONVILLE POSTAL & PROFESSIONAL CREDIT UNION Jacksonville $44.32 4458
CALHOUN-LIBERTY EMPLOYEES CREDIT UNION Blountstown $27.57 4416
UNITED POLICE FEDERAL CREDIT UNION Miami $45.74 4392
EMERALD COAST FEDERAL CREDIT UNION Port St Joe $35.40 4341
ECU CREDIT UNION Seminole $34.26 4279
PENSACOLA GOVERNMENT FEDERAL CREDIT UNION Pensacola $45.58 4246
SOUTH FLORIDA FEDERAL CREDIT UNION Miami $33.26 4083
GULF STATES CREDIT UNION Maitland $23.75 4057
FL. DEPT. OF TRANSPORTATION` CREDIT UNION Tallahassee $45.96 3954
EVERGLADES FEDERAL CREDIT UNION Clewiston $30.38 3858
GPCE CREDIT UNION Pensacola $31.22 3659
FLORIDA STATE EMPLOYEES FEDERAL CREDIT UNION Pensacola $34.02 3505
MANATEE COMMUNITY FEDERAL CREDIT UNION Bradenton $24.40 3375
FLORIDA A & M UNIVERSITY FEDERAL CREDIT UNION Tallahassee $20.97 3271
WALTON COUNTY TEACHERS FEDERAL CREDIT UNION Defuniak Springs $14.77 3240
JACKSONVILLE FIREMEN’S CREDIT UNION Jacksonville $29.57 3139
WEST COAST FEDERAL EMP. CREDIT UNION Sarasota $31.86 3127
JACKSON COUNTY TEACHERS CREDIT UNION Marianna $22.90 3099
MIAMI FEDERAL CREDIT UNION Miami $27.35 2955
SUWANNEE RIVER FEDERAL CREDIT UNION Live Oak $13.07 2752
ST. JOSEPHS HOSPITAL FEDERAL CREDIT UNION Tampa $28.02 2748
SOUTH ATLANTIC FEDERAL CREDIT UNION Boca Raton $12.37 2696
FLORIDA RURAL ELECTRIC CREDIT UNION Tallahassee $20.06 2649
SERVICE 1ST CU CREDIT UNION Tampa $13.74 2549
FLORIDA BAPTIST CREDIT UNION Jacksonville $23.57 2544
COMMUNITY TRUST FEDERAL CREDIT UNION Apopka $5.59 2491
WEST COAST FEDERAL CREDIT UNION Clearwater $12.51 2411
SARASOTA MUNICIPAL EMPLOYEES CREDIT UNION Sarasota $23.10 2399
OCALA COMMUNITY CREDIT UNION Ocala $26.61 2315
FINANCIAL EDUCATORS FEDERAL CREDIT UNION Daytona Beach $16.56 2169
CITY-COUNTY EMPLOYEES CREDIT UNION Clearwater $15.33 2115
PENSACOLA FEDERAL CREDIT UNION Pensacola $16.36 2101
COMPASS FINANCIAL FEDERAL CREDIT UNION Hialeah $15.49 2097
METRO NORTH FEDERAL CREDIT UNION Jacksonville $14.67 2083
BAPTIST REGIONAL MEDICAL FEDERAL CREDIT UNION Pensacola $7.89 2019
MERCY CREDIT UNION Miami $20.25 1976
FIRST COAST FEDERAL CREDIT UNION Jacksonville $7.06 1900
SOUTHERNMOST FEDERAL CREDIT UNION Key West $10.59 1873
HIALEAH MUNICIPAL EMPLOYEES FEDERAL CREDIT UNION Hialeah $11.15 1747
POMPANO BEACH CITY EMP. CREDIT UNION Pompano Beach $15.59 1557
MONROE COUNTY TEACHERS FEDERAL CREDIT UNION Key West $15.13 1400
DUCOTE FEDERAL CREDIT UNION Jacksonville $3.32 1362
FARMERS FEDERAL CREDIT UNION Jacksonville $12.73 1358
PENSACOLA L & N FEDERAL CREDIT UNION Pensacola $7.94 1354
CLAY ELECTRIC EMPLOYEES CREDIT UNION Keystone Heights $7.71 1209
ECCO CREDIT UNION Pace $19.25 1036
JEFFERSON COUNTY TEACHERS CREDIT UNION Monticello $6.85 1028
SHAW-ROSS EMPLOYEES CREDIT UNION Miami $5.66 1014
CONTAINER MUTUAL CREDIT UNION Fernandina Beach $8.38 999
NORTH DADE COMMUNITY DEVELOPMENT FEDERAL CREDIT UNION Miami Gardens $4.60 987
FLORIDA CUSTOMS FEDERAL CREDIT UNION Tampa $8.63 969
LEE COUNTY POSTAL EMP. CREDIT UNION Fort Myers $4.07 911
SUNLAND CREDIT UNION Marianna $2.52 892
WEST FLORDIA MEDICAL FEDERAL CREDIT UNION Pensacola $3.67 876
ELECTRICIANS’ LOCAL 349 CREDIT UNION Miami $3.95 803
FCAMEC FEDERAL CREDIT UNION Tallahassee $1.77 762
MADISON EDUCATION ASSOC. CREDIT UNION Madison $4.03 715
F.R.S.A. CREDIT UNION Winter Park $2.96 708
TALLAHASSEE FEDERAL CREDIT UNION Tallahassee $5.81 653
ANCHOR SEVEN FEDERAL CREDIT UNION Jacksonville $2.68 551
ST. JAMES A M E CHURCH FEDERAL CREDIT UNION Miami $0.49 509
LOCAL 606 ELECTRICAL WORKERS FEDERAL CREDIT UNION Orlando $8.43 434
JAX GLIDCO EMPLOYEES FEDERAL CREDIT UNION Jacksonville $2.42 397
TOWN OF PALM BEACH FEDERAL CREDIT UNION West Palm Beach $2.69 395
SWC CREDIT UNION Tampa $2.32 360
TAMPA LONGSHOREMEN’S FEDERAL CREDIT UNION Tampa $0.41 359
LEE COUNTY MOSQUITO CONTROL CREDIT UNION Fort Myers $0.51 197
MAC NEILL EMPLOYEES CREDIT UNION Sunrise $0.93 176
MIAMI SHORES VILLIAGE EMP FEDERAL CREDIT UNION Miami Shores $0.29 63
SIX THIRTY FEDERAL CREDIT UNION West Palm Beach $0.00 1

Student Loans in Florida

Access to Better Learning and Education Grant (ABLE)

Offering $1,500 per year to qualifying students, Florida’s ABLE Grant provides tuition assistance if you attend eligible colleges and universities.

To qualify:

  • You must be a resident of Florida and a U.S. citizen or eligible non-citizen.
  • You must not possess or be in default of a federal student loan or grant.
  • You must not have a bachelor’s degree.
  • You must enroll for at least 12 credit hours per term.
  • You must not pursue a degree in theology or divinity.
  • You must meet Florida’s general eligibility requirements.

Florida Student Assistance Grant (FSAG)

The FSAG Grant is a needs-based scholarship that’s broken down into four subgroups:

  • The Florida Public Student Assistance Grant is awarded to students attending state universities and public colleges.
  • The Florida Private Student Assistance Grant is awarded to students attending private, non-profit, 4-year colleges and universities.
  • The Florida Postsecondary Student Assistance Grant is awarded to students attending institutions that are exempt from the Florida Private Student Assistance Grant.
  • The Florida Public Postsecondary Career Education Assistance Grant is awarded to students attending eligible Florida community colleges and career centers operated by district school boards.

The qualification requirements are the same as above except:

  • You must enroll for at least 6 credit hours per term to participate in the public program.
  • You must enroll for at least 12 credit hours per term to participate in the private and post secondary programs.

Federal Housing Administration (FHA) Loans in Florida

There are 67 counties in Florida where FHA loans are applicable. The lowest loan amount of $314,827 is available in 51 counties, while the highest loan amount of $1,017,300 is available in Monroe County.

County Single Unit Limit (lowest) Four-Plex Limit (highest)
Alachua County $331,760 $638,100
Baker County $373,750 $718,750
Bay County $331,760 $638,100
Bradford County $331,760 $638,100
Brevard County $331,760 $638,100
Broward County $373,750 $718,750
Calhoun County $331,760 $638,100
Charlotte County $331,760 $638,100
Citrus County $331,760 $638,100
Clay County $373,750 $718,750
Collier County $450,800 $866,950
Columbia County $331,760 $638,100
Desoto County $331,760 $638,100
Dixie County $331,760 $638,100
Duval County $373,750 $718,750
Escambia County $331,760 $638,100
Flagler County $331,760 $638,100
Franklin County $331,760 $638,100
Gadsden County $331,760 $638,100
Gilchrist County $331,760 $638,100
Glades County $331,760 $638,100
Gulf County $331,760 $638,100
Hamilton County $331,760 $638,100
Hardee County $331,760 $638,100
Hendry County $331,760 $638,100
Hernando County $331,760 $638,100
Highlands County $331,760 $638,100
Hillsborough County $331,760 $638,100
Holmes County $331,760 $638,100
Indian River County $331,760 $638,100
Jackson County $331,760 $638,100
Jefferson County $331,760 $638,100
Lafayette County $331,760 $638,100
Lake County $331,760 $638,100
Lee County $331,760 $638,100
Leon County $331,760 $638,100
Levy County $331,760 $638,100
Liberty County $331,760 $638,100
Madison County $331,760 $638,100
Manatee County $331,760 $638,100
Marion County $331,760 $638,100
Martin County $350,750 $674,500
Miami-Dade County $373,750 $718,750
Monroe County $552,000 $1,061,550
Nassau County $373,750 $718,750
Okaloosa County $391,000 $751,900
Okeechobee County $331,760 $638,100
Orange County $331,760 $638,100
Osceola County $331,760 $638,100
Palm Beach County $373,750 $718,750
Pasco County $331,760 $638,100
Pinellas County $331,760 $638,100
Polk County $331,760 $638,100
Putnam County $331,760 $638,100
Santa Rosa County $331,760 $638,100
Sarasota County $331,760 $638,100
Seminole County $331,760 $638,100
St. Johns County $373,750 $718,750
St. Lucie County $350,750 $674,500
Sumter County $331,760 $638,100
Suwannee County $331,760 $638,100
Taylor County $331,760 $638,100
Union County $331,760 $638,100
Volusia County $331,760 $638,100
Wakulla County $331,760 $638,100
Walton County $391,000 $751,900
Washington County $331,760 $638,100

Business Loans in Florida

If you’re looking for a reliable online lender, consider the options below:

Amount

Up to $10,000,000

APR

Vary

Min Credit Score

0

Licensed in Florida

Yes

Amount

$5,000 - $500,000

APR

9.77% - 35.98%

Min Credit Score

600

Licensed in Florida

Yes

Amount

$5,000 - $500,000

APR

5.99% – 35.99%

Min Credit Score

500

Licensed in Florida

Yes

Amount

Up to $250,000

APR

24% – 99%

Min Credit Score

560

Licensed in Florida

Yes

Amount

Up to $350,000

APR

9.28 - 10.52%

Min Credit Score

650

Licensed in Florida

Yes

Amount

Up to $350,000

APR

10.00 - 25.00%

Min Credit Score

680

Licensed in Florida

Yes

Amount

$75,000 - $5,000,000

APR

5.50 - 8.25%

Min Credit Score

650

Licensed in Florida

Yes

Amount

Up to $500,000

APR

12.18 - 36.00%

Min Credit Score

660

Licensed in Florida

Yes

Amount

Up to $500,000

APR

9.00 - 99.00%

Min Credit Score

600

Licensed in Florida

Yes

Amount

Up to $5,000,000

APR

15.00 - 78.00%

Min Credit Score

600

Licensed in Florida

Yes

Amount

Up to $1,000,000

APR

Vary

Min Credit Score

0

Licensed in Florida

Yes

Amount

$6,000 to $250,000

APR

Vary

Min Credit Score

0

Licensed in Florida

Yes

For a local alternative, take a closer look at Treasure Coast Business Loans:

Treasure Coast Business Loans

At Treasure Coast Business Loans, you have three options to choose from:

  • A Business Line of Credit allows you to borrow up to $725,000 with fixed terms upwards of 18 months. APRs vary by borrower, but there are no maintenance, application or access fees. As well, loans are unsecured, so no collateral is required.
  • A Merchant Cash Advance Loan exchanges a lump sum for a small percentage of your company’s future credit card sales. You can borrow anywhere from $20,000 to $250,000 and no collateral is required. However, to qualify, you need a FICO Score of at least 500, at least $12,500 in monthly sales, be in operation for at least 9 months and be cash flow positive.
  • A Working Capital Loan allows you to borrow anywhere from $100,000 to $150,000 with variable APRs as low as 8.25%. Terms extend up to 10 years and no collateral is required. However, you need a FICO Score of at least 680 to qualify and your business must be in operation for at least 1 year.

To get in touch with Treasure Coast, you can visit their Florida location at: 203 N.W. Zanzibar Place Port St Lucie, FL 34986. You can also call them at 1-800-561-9086 or email them at treasurecoastloans@gmail.com.

Conclusion

Florida law does not restrict small credit lines, payday loans or car title loans. For credit lines, interest rates are capped at 30%, but additional charges usually result in higher APRs. For payday loans, they’re legal in Florida and APRs can extend beyond 300%. However, the state restricts payday loan rollovers and requires a 60-day grace period so borrowers can overcome a default. For car title loans, APRs are similar, but there is no grace period for default. The lender has the right to seize your car immediately, however, you’re not liable for any amount remaining on the loan. As well, if the car is sold at a surplus to the loan balance, the lender is required to return the excess funds.

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Best Personal Loans for Bad and Good Credit in Vermont, Payday Loan Laws 2020

EPF March 7, 2020

View All Studies [toc] [sc name="loans_shop_around"] Best Personal Loans for Bad Credit in Vermont 2020 [sc name="loans_vermont_bad_credit"] Best Good Credit Loans in Vermont 2020 [sc name="loans_vermont_good_credit"] Payday Loan Laws in Vermont 2020 According to the law in Vermont, payday loans...

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Best Personal Loans for Bad and Good Credit in West Virginia, Payday Loan Laws 2020

EPF March 7, 2020

View All Studies [toc] [sc name="loans_shop_around"] Best Personal Loans for Bad Credit in West Virginia 2020 [sc name="loans_west_virginia_bad_credit"] Best Good Credit Loans in West Virginia 2020 [sc name="loans_west_virginia_good_credit"] You can also check out our full list of recommended lenders. Shop...

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