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Florida Payday Loans

Our payday lenders are available to help you regardless of where you live. If you live in any of the 50 states, including Florida, where payday lending is not legal, we can still assist you with your cash flow needs.

Florida Laws Regarding Payday Lending

Nineteen states have enacted laws that ban payday lending and Florida is one of them. Interest rates in Florida are limited by law to an Annual Percentage Rate (APR) of 18%. This limit applies regardless of the type of loan, whether it is payday loans, interest on debts, and lines of credit. Whether the interest rates are direct or indirect, all types of commissions or exchanges are subject to the state imposed limit of 18%. If a loan contract were to call for a higher rate of interest than Florida law allows, it would be considered usurious.

Loans for more than $500,000 are not subjected to the 18% APR limit mandated by the state of Florida. Mortgage related loans, such as those processed through the Veterans Administration or the Federal Housing Administration are also exempt from this limit. In addition, any government related mortgage loans or any loans that were processed before 1979 are exempt as well.

There are no payday lenders in the state of Florida.

Whether you live in Florida and are strapped for cash or are thinking of moving to sunny Florida but don't have the funds available, we can help. Whether you live in Florida or in any of the other 49 states, our company can process a Florida payday loan for you online with no waiting or hassles. Just go online to where you can quickly and conveniently apply for a payday loan right now. Even if you think there is no way out of your current financial situation, we are here to help. Instead of worrying about money until your next paycheck, apply online for a Florida payday loan now.

We pride ourselves on delivering, fast, efficient, and courteous service. Nothing is easier than applying for one of our payday loans and you won't have to worry about your personal information. We maintain a secure site that is dedicated to protecting your privacy. Your personal information is guaranteed to be secure with us. Get your Florida payday loan application started now by going to and submitting your application.

Remember, regardless of where you live in the United States, you can apply for a Florida payday loan at Our customers in all 50 states enjoy the quick and easy payday loan application process. If you need fast cash now, it just takes a few minutes to submit your application. Regardless of the reason you may find yourself strapped for cash, we can help you now and you can remain worry free instead of counting the days until your next paycheck.

You'll be pleased to discover how fast your Florida payday loan can be approved. Your application will be quickly and efficiently processed and you will have the money you need much faster than you would anticipate. Instead of worrying and waiting for your next paycheck, enjoy the money you need now and pay us back with your next paycheck. Stress free and reliable, visit to start your application now.

Payday lenders can not loan more than $500 at a time since the state of Florida enacted a law setting that limit in July 2001. In addition, the state of Florida also capped the interest rate that payday lenders can charge. Borrowers in Florida cannot be charged more than 10% interest, which is one of the lowest rates in the United States.

Florida law restricts borrowers in that they are only allowed to take out one payday loan at a time. The same law mandates the payday lender to grant a 60 day grace period if the borrower is unable to repay the payday loan on time. There are terms and conditions that the borrower will have to meet in order to be granted the grace period, though. These include the borrower completing a credit counseling class and working out a payment schedule with the lender.

CS/SB 1526 and 314, sponsored by Senator Lee Constantine, imposes restrictions on Florida payday loans. This bill, which was successful and is now law, was the first of its kind in the state of Florida. Now, through credit counseling and by working out a repayment schedule, borrowers are able to get caught up and stay current on their payday loans.

Unemployment Statistics for Florida

Florida saw one of its lowest rates of unemployment in 2006. In January 2006, the number of unemployed people statewide was 271, 288, which was at a rate of 3.1%. This rate decreased by 1.2% from the previous year. In the past 10 years, Florida's unemployment rate has never climbed higher than 6% and has dipped as low as 2.9%.