Florida Loans 2024 – Online Payday Loans in Florida

The Best Loans in Florida 2023: Compare Loan Rates

Written by: Joe Chappius

Last updated: January 3, 2024

Financer.com helps you compare online loan rates in Florida. Compare different loan options in Florida and read more about the payday loan laws in the state.

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Compare Loans in Florida for April 2024

Borrow $1,000 for a period of 6 Months.

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Amount: $1,000 | Period: 6 Months

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recommended

Chosen 5,757 times

4.9

Read 11 reviews

recommended

Chosen 5,757 times

Loan amount

$1,000

APR:

5.99% - 35.99%

Total Payment

$1,017.57

for 6 months

Monthly payback

$169.60

for 6 months

4.9

Read 11 reviews

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High approval rate

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Customer Type

All

Borrow up to

$50,000

Estimated Payback

13/10/2024

Weekend Payout

Age

11 Reviews

4.9

Interest & Costs

Flexibility & Terms

Website & Functionality

Support & Service

View Company Profile

Chosen 92,619 times

3.7

Read 36 reviews

Chosen 92,619 times

Loan amount

$1,000

APR:

5.99% - 35.99%

Total Payment

$1,017.57

for 6 months

Monthly payback

$169.60

for 6 months

3.7

Read 36 reviews

Open right now

Most chosen

Get Started

Customer Type

All

Borrow up to

$10,000

Estimated Payback

13/10/2024

Weekend Payout

Age

36 Reviews

3.7

Interest & Costs

Flexibility & Terms

Website & Functionality

Support & Service

View Company Profile

recommended

Chosen 33,148 times

4.9

Read 17 reviews

recommended

Chosen 33,148 times

Loan amount

$1,000

APR:

5.99% - 35.99%

Total Payment

$1,017.57

for 6 months

Monthly payback

$169.60

for 6 months

4.9

Read 17 reviews

Open right now

Get Started

Customer Type

All

Borrow up to

$35,000

Estimated Payback

13/10/2024

Weekend Payout

Age

17 Reviews

4.9

Interest & Costs

Flexibility & Terms

Website & Functionality

Support & Service

View Company Profile

Chosen 27,204 times

4.0

Read 25 reviews

Chosen 27,204 times

Loan amount

$1,000

APR:

5.99% - 35.99%

Total Payment

$1,017.57

for 6 months

Monthly payback

$169.60

for 6 months

4.0

Read 25 reviews

Open right now

Lowest cost

Get Started

Customer Type

All

Borrow up to

$10,000

Estimated Payback

13/10/2024

Weekend Payout

Age

25 Reviews

4.0

Interest & Costs

Flexibility & Terms

Website & Functionality

Support & Service

View Company Profile

recommended

Chosen 6,677 times

5.0

Read 4 reviews

recommended

Chosen 6,677 times

Loan amount

$1,000

APR:

5.99% - 35.99%

Total Payment

$1,017.57

for 6 months

Monthly payback

$169.60

for 6 months

5.0

Read 4 reviews

Open right now

Get Started

Customer Type

All

Borrow up to

$35,000

Estimated Payback

13/10/2024

Weekend Payout

Age

4 Reviews

5.0

Interest & Costs

Flexibility & Terms

Website & Functionality

Support & Service

View Company Profile

Important

Please note that loan amounts, interest rates and other loan terms may vary according to your state and credit profile.

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How To Compare Loans in Florida

Choose your loan amount

Select how much you would like to borrow.

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Filter the results based on your criteria and compare the best Florida loan rates.

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Find the best personal loan for your loan needs.

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Click Get Started to fill in your loan application.

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Best Rated Personal Loans

5.0

Based on 4 reviews

5.0

Based on 4 reviews

5.0

Based on 14 reviews

4.9

Based on 7 reviews

4.9

Based on 12 reviews

4.9

Based on 17 reviews

4.9

Based on 8 reviews

4.8

Based on 5 reviews

4.8

Based on 4 reviews

4.7

Based on 3 reviews

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Personal Loans in Florida

By comparing lenders online with Financer.com, you can apply for a personal loan in Florida from trusted lenders in the U.S, including banks like SunTrust, Fifth Third Bank, and TD Bank.

Applying for Florida loans online is easy and fast. The pre-qualification process typically takes only a few minutes and if approved, you can get funds deposited into your account as soon as the next business day.

In addition to comparing payday loans online in Florida, you can compare lenders to find the best Florida personal loans with Financer.com.

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Compare Online Loans in Florida

Compare lenders and loan rates and apply for a Florida loan online. With Financer.com you can:

Compare lenders that offer personal loans in Florida
Prequalify with no impact on your credit score
Compare rates and choose the best loan offer

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Interests Loan amount Loan term

Florida Payday Loan Regulations

Legal Status	Legal
Interest Rate (APR)	304%*
Max. Loan Amount	$500 for single loans, $1,000 for installment loans
Min. Loan Term	7 days
Max. Loan Term	90 days
Number of Rollovers	0
Cooling-off Period	24 hours
Installment	Yes

Updated March 28 2022
APR equals 304% according to the Center for Responsible Lending 2019.

It’s always important to educate yourself on the legal provisions regarding payday loans in Florida. Here are a few guidelines:

A lender cannot issue out more than $500 at a time.
The loans are to be given for a period of 7-31 days.
Lenders may not charge more than 10% in fees.
Rollovers are not allowed.

Every state has a set period of time for lenders to collect their debts and Florida has a specific time frame for this.

As per the law regarding payday loans in Florida, you legally cannot be held accountable for outstanding balances on loans older than five years. However, this five-year period does not start from the date the loan was issued.

It is calculated starting from the date when the last transaction took place on your payday account. In order to validate the debts, lenders will often encourage you to make small payments.

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Comparing Loans in Florida

When it comes to comparing loans in Florida, there are a few aspects to consider. These include the loan rates, borrowing terms, fund disbursement speeds, and loan limits.

Loan limits in Florida vary by lender and can be $25,000 or $50,000, while some lenders have no issue borrowing up to $100,000 or more.

Loans will typically be dispersed the next business day, but some banks and lenders may take several days to deposit the funds.

Be sure to review the loan terms as longer terms may have lower monthly payments but you'll end up paying more in total costs. Shorter loans have lower interest rates which will save you in the long run.

Payday Loan Eligibility in Florida

To be eligible for a payday loan in Florida, borrowers typically require some information to process your application. This can include:

Your name and address
Your date of birth
Proof of identity
Social Security number
Proof of income
Verification of employment

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Payday Loan Regulations in Florida

Current Legal Status: Legal

Maximum Loan Amount: $500

Maximum Loan Terms: 31 Days

Maximum Loan Charges: 10%

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Why Compare with Financer.com

Financer.com helps you compare the best personal loans in Florida and get the lowest personal loan rates from leading U.S. lenders.

Our online loan comparison is fast, easy, and completely free. Best of all, you can pre-qualify without hurting your credit score.

Use Financer.com's free loan comparison tool and take the guesswork out of finding the best personal loan for your needs.

Florida Loans FAQs

Can a lender take me to court if I don't pay?

Florida payday loans statute of limitations gives a lender the legal right to file a civil lawsuit against you if you fail to pay. If the court issues a judgment against you, the lender will have 20 years from this date of judgment to collect their debts.

Note that the lender can only file a case against you within the five-year period. According to the payday loan laws in Florida, lenders are legally prohibited to press charges against you.

What are the limitations of payday loans in Florida?

When it comes to a Florida payday loan, there are some regulations lenders need to follow:

A lender cannot issue out more than $500 at a time
The loans are to be given for a period of 7-31 days
Lenders are legally prohibited to charge more than 10% fee from borrowers
Rollovers are not allowed.
Payday lending services are available both to Florida residents and those moving here

Can a personal loan help improve my credit score?

Taking out a Florida installment loan from a trusted lender and making on-time payments could help improve your credit score. Your loan repayments are typically reported to one or more of the major credit bureaus - such as TransUnion or Experian - and as a result, it could improve your credit history and increase your credit scores.