Florida (FL) lender directory
Payday & Title Loans in Florida
Looking for a lender near you in Florida? Pick your city below. We list 915 stores in 181 Florida cities, built from state license records and lenders' own store pages. Data last checked October 8, 2026.
Read our guide: Are Payday Loans Legal in Florida? Limits, Fees and Alternatives
Lenders by city
Top cities
- Lenders in Miami 99
- Lenders in Orlando 61
- Lenders in Jacksonville 48
- Lenders in Tampa 41
- Lenders in Hialeah 23
- Lenders in Kissimmee 19
- Lenders in Pensacola 18
- Lenders in Tallahassee 18
- Lenders in West Palm Beach 18
- Lenders in Lakeland 16
- Lenders in Ocala 16
- Lenders in St. Petersburg 16
All 181 cities A–Z
A
- Alachua 2
- Altamonte Springs 3
- Apopka 7
- Arcadia 1
- Atlantis 1
- Auburndale 1
- Aventura 1
- Avon Park 1
B
- Bartow 1
- Belle Glade 1
- Belleview 1
- Blountstown 1
- Boca Raton 9
- Bonita Springs 1
- Boynton Beach 4
- Bradenton 10
- Brandon 8
- Brooksville 5
C
- Cape Coral 7
- Casselberry 5
- Chiefland 1
- Clearwater 8
- Clermont 3
- Clewiston 1
- Cocoa 3
- Coconut Creek 1
- Coral Gables 7
- Coral Springs 3
- Crestview 2
- Crystal River 1
- Cutler Bay 5
D
- Dade City 1
- Dania Beach 2
- Davie 4
- Daytona Beach 7
- DeFuniak Springs 3
- DeLand 2
- Deerfield Beach 3
- Delray Beach 1
- Deltona 2
- Dunedin 1
E
- Eustis 2
F
G
- Gainesville 11
- Greenacres 1
H
- Haines City 2
- Hallandale Beach 2
- Hialeah 23
- Hialeah Gardens 2
- Holiday 2
- Holly Hill 1
- Hollywood 10
- Homestead 6
I
J
- Jacksonville 48
- Juno Beach 1
- Jupiter 1
K
- Kenwood Estates 2
- Kissimmee 19
L
- LaBelle 1
- Laguna Beach 1
- Lake City 6
- Lake Mary 1
- Lake Park 1
- Lake Wales 3
- Lakeland 16
- Land O' Lakes 1
- Lantana 2
- Largo 5
- Lauderdale Lakes 3
- Lauderhill 6
- Leesburg 6
- Lehigh Acres 5
- Live Oak 1
- Longwood 2
- Lynn Haven 2
M
- Madison 1
- Margate 5
- Marianna 6
- Medley 1
- Melbourne 3
- Merritt Island 1
- Miami 99
- Miami Beach 4
- Miami Gardens 6
- Miami Lakes 1
- Middleburg 1
- Milton 4
- Miramar 1
N
- Naples 9
- Naranja 2
- New Port Richey 6
- New Smyrna Beach 1
- North Fort Myers 2
- North Lauderdale 2
- North Miami 5
- North Miami Beach 5
- North Palm Beach 1
O
- Oakland 1
- Oakland Park 5
- Ocala 16
- Ocoee 2
- Okeechobee 1
- Oldsmar 1
- Opa-locka 2
- Orange City 4
- Orange Park 6
- Orlando 61
- Ormond Beach 1
- Oviedo 1
P
- Pace 1
- Palatka 6
- Palm Bay 4
- Palm Beach Gardens 1
- Palm City 1
- Palm Coast 3
- Palm Harbor 2
- Palm Springs 2
- Palmetto 1
- Palmetto Bay 1
- Panama City 4
- Panama City Beach 1
- Pembroke Pines 9
- Pensacola 18
- Pinellas Park 5
- Plant City 2
- Plantation 1
- Pompano Beach 9
- Port Charlotte 5
- Port Orange 4
- Port Richey 3
- Port St. Lucie 7
Q
- Quincy 2
R
- Riverview 4
- Riviera Beach 1
- Rockledge 1
- Royal Palm Beach 2
- Ruskin 1
S
- Sanford 4
- Sarasota 11
- Sebring 2
- Seffner 2
- Seminole 1
- Seminole Manor 1
- South Daytona 1
- Spring Hill 3
- St. Augustine 7
- St. Cloud 2
- St. Petersburg 16
- Starke 2
- Stuart 3
- Sunrise 1
T
- Tallahassee 18
- Tamarac 5
- Tampa 41
- Tarpon Springs 1
- Temple Terrace 2
- Titusville 1
V
- Valrico 2
- Venice 1
- Vero Beach 5
- Viera West 1
W
- Wauchula 1
- Wesley Chapel 1
- West Melbourne 5
- West Palm Beach 18
- West Park 2
- Weston 1
- Wildwood 1
- Wimauma 1
- Winter Garden 3
- Winter Haven 6
- Winter Park 3
- Winter Springs 1
Y
- Yulee 1
Z
Lending rules in Florida
General rules
- A lender not authorized under chapter 516 or other statutes cannot charge more than 18 percent a year on loans of $25,000 or less. Source: Fla. Stat. § 516.02(2)(a) · verified Oct 8, 2026
- Payday lenders in Florida are regulated by the Office of Financial Regulation's Division of Consumer Finance. Source: Fla. Stat. § 560.403; OFR consumer page (payday lenders) · verified Oct 8, 2026
Payday loans (deferred presentment)
- A single-payment payday loan can have a check face amount of at most $500, not counting fees. Source: Fla. Stat. § 560.404(5) · verified Oct 8, 2026
- A payday installment loan can have a check face amount and an outstanding balance of at most $1,000, not counting fees. Source: Fla. Stat. § 560.404(5) · verified Oct 8, 2026
- Fees on a single-payment payday loan cannot exceed 10 percent of the cash or payment instrument the borrower receives. Source: Fla. Stat. § 560.404(6)(a) · verified Oct 8, 2026
- Fees on a payday installment loan cannot exceed 8 percent of the outstanding balance on a biweekly basis. Source: Fla. Stat. § 560.404(6)(a) · verified Oct 8, 2026
- A lender may add a verification fee of up to $5 on top of the percentage fee; the fee cap does not apply to it. Source: Fla. Stat. §§ 560.309(8), 560.404(6)(b) · verified Oct 8, 2026
- A single-payment payday loan agreement cannot run for fewer than 7 days. Source: Fla. Stat. § 560.404(8) · verified Oct 8, 2026
- A single-payment payday loan agreement cannot run for longer than 31 days. Source: Fla. Stat. § 560.404(8) · verified Oct 8, 2026
- A payday installment loan must run for at least 60 days. Source: Fla. Stat. § 560.404(8) · verified Oct 8, 2026
- A payday installment loan can run for at most 90 days. Source: Fla. Stat. § 560.404(8) · verified Oct 8, 2026
- A borrower cannot have more than one payday loan open with any provider at a time. Source: Fla. Stat. § 560.404(19) · verified Oct 8, 2026
- After one payday loan ends, the borrower must wait 24 hours before taking out another. Source: Fla. Stat. § 560.404(19) · verified Oct 8, 2026
- On a single-payment loan, a borrower who cannot repay in full must be given a 60-day grace period at no extra charge, on condition of completing credit counseling. Source: Fla. Stat. § 560.404(22) · verified Oct 8, 2026
- To get the grace period, the borrower must book a credit counseling appointment within 7 days after the loan term ends. Source: Fla. Stat. § 560.404(22)(a) · verified Oct 8, 2026
- Rolling a payday loan over, or paying it off with the proceeds of another payday loan, is prohibited. Source: Fla. Stat. § 560.404(18) · verified Oct 8, 2026
- Installment payments on a payday installment loan must be at least 13 days apart and at most 1 calendar month apart. Source: Fla. Stat. § 560.404(26) · verified Oct 8, 2026
- A borrower cannot be prosecuted in criminal court for a payday-loan check, but the lender can sue to collect, and may not collect treble damages. Source: Fla. Stat. § 560.406(1) · verified Oct 8, 2026
- A payday lender must hold a money services business license from the Office of Financial Regulation and have a declaration of intent on file, renewed every 24 months. Source: Fla. Stat. § 560.403 · verified Oct 8, 2026
Statewide loan database
- Every payday lender must check a common statewide database, run by the Office of Financial Regulation, before making each loan. Source: Fla. Stat. § 560.404(24)(a) · verified Oct 8, 2026
- The state may charge lenders up to $1 per loan (or per 30-day period on an installment loan) to use the database. Source: Fla. Stat. § 560.404(24)(b) · verified Oct 8, 2026
Title loans
- A title loan lender may charge at most 30 percent a year on the first $2,000 of principal. Source: Fla. Stat. § 537.011(1) · verified Oct 8, 2026
- On the part of principal between $2,000 and $3,000, the cap is 24 percent a year. Source: Fla. Stat. § 537.011(1) · verified Oct 8, 2026
- On the part of principal above $3,000, the cap is 18 percent a year. Source: Fla. Stat. § 537.011(1) · verified Oct 8, 2026
- A title loan lender needs an active license from the Office of Financial Regulation, and a separate license for each title loan office. Source: Fla. Stat. § 537.004(1) · verified Oct 8, 2026
- A title loan can be extended in 30-day periods by mutual consent, at no higher rate, and unpaid interest cannot be added to the principal. Source: Fla. Stat. § 537.011(3) · verified Oct 8, 2026
Installment and consumer finance loans
- A licensed consumer finance company can lend up to $25,000 under chapter 516. Source: Fla. Stat. § 516.031(1) · verified Oct 8, 2026
- A licensed consumer finance company may charge at most 36 percent a year on the first $10,000 of principal. Source: Fla. Stat. § 516.031(1) · verified Oct 8, 2026
- On the part of principal between $10,000 and $20,000, the cap is 30 percent a year. Source: Fla. Stat. § 516.031(1) · verified Oct 8, 2026
- On the part of principal between $20,000 and $25,000, the cap is 24 percent a year. Source: Fla. Stat. § 516.031(1) · verified Oct 8, 2026
- Making consumer finance loans, or operating a branch, requires a license from the Office of Financial Regulation. Source: Fla. Stat. § 516.02(1) · verified Oct 8, 2026
Pawn loans
- A pawnbroker's service charge, interest included, cannot exceed 25 percent of the amount lent for each 30-day period. Source: Fla. Stat. § 539.001(11)(a) · verified Oct 8, 2026
- A pawnbroker may charge a minimum service charge of $5 for each 30-day period. Source: Fla. Stat. § 539.001(11)(a) · verified Oct 8, 2026
- A pawnbroker must hold unredeemed goods for at least 30 days after the maturity date before they are forfeited. Source: Fla. Stat. § 539.001(10) · verified Oct 8, 2026
- Pawnbrokers are licensed by the Department of Agriculture and Consumer Services (FDACS), with a separate license for each pawnshop. Source: Fla. Stat. § 539.001(2)(a), (3)(a) · verified Oct 8, 2026
- Cities and counties may pass pawn ordinances only if they are not more restrictive than state law, and cannot restrict hours except between midnight and 6 a.m. Source: Fla. Stat. § 539.001(20) · verified Oct 8, 2026
Lenders in Florida are licensed by the Florida Office of Financial Regulation (OFR). You can look up any license in its license search. See also online lenders and apps in Florida.
Florida lending statistics
Official figures, grouped by the report they come from. Older reports are the latest published for that measure.
Florida House staff analysis CS/CS/HB 857 (2018), citing OFR deferred presentment data (2016-07/2017-06)
| Loan | Measure | Value |
|---|---|---|
| Payday (deferred presentment) | Average fee, as a share of the loan | 9.9% |
| Payday (deferred presentment) | Average loan | $400.77 |
| Payday (deferred presentment) | Average verification fee | $3.09 |
| Payday (deferred presentment) | Borrowers with 10 or more loans a year | 37.6% |
| Payday (deferred presentment) | Loans that used the grace period | 0.71% |
| Payday (deferred presentment) | Loans not repaid (loss rate) | 1.8% |
| Payday (deferred presentment) | Total fees paid | $306,000,000 |
| Payday (deferred presentment) | Total amount lent | $3,090,000,000 |
| Payday (deferred presentment) | Loans made | 7,700,000 |
Source: Florida House staff analysis CS/CS/HB 857 (2018), citing OFR deferred presentment data · verified Oct 8, 2026
Florida House staff analysis CS/CS/HB 857 (2018), citing OFR deferred presentment data (2017-06-30)
| Loan | Measure | Value |
|---|---|---|
| Payday (deferred presentment) | Licensed locations (June 30, 2017) | 923 |
Source: Florida House staff analysis CS/CS/HB 857 (2018), citing OFR deferred presentment data · verified Oct 8, 2026
OFR registration data download (monthly licensee files) (2026-10)
| Loan | Measure | Value |
|---|---|---|
| Payday (deferred presentment) | Active branch licenses at a Florida address | 600 |
| Payday (deferred presentment) | Active company licenses at a Florida address | 30 |
| Installment loan | Active branch licenses at a Florida address | 205 |
| Installment loan | Active company licenses at a Florida address | 109 |
| Auto title loan | Active office licenses at a Florida address | 2 |
Source: OFR registration data download (monthly licensee files) · verified Oct 8, 2026
Questions people ask
Are payday loans legal in Florida?
Yes. Payday lenders operate in Florida under state rules. For example: A single-payment payday loan can have a check face amount of at most $500, not counting fees (Fla. Stat. § 560.404(5)).
How many payday loan stores are in Florida?
We list 599 payday loan stores, 313 installment lenders, 2 title loan stores and 1 pawn shop in Florida, in 181 cities.
Which Florida cities have the most lenders?
Miami (99), Orlando (61), Jacksonville (48), Tampa (41) and Hialeah (23).
How much can lenders charge in Florida?
Fees on a single-payment payday loan cannot exceed 10 percent of the cash or payment instrument the borrower receives (Fla. Stat. § 560.404(6)(a)). More limits are listed under the state rules on this page.
How do I check a lender's license in Florida?
Lenders in Florida are licensed by the Florida Office of Financial Regulation (OFR). You can look up a license in its online license search, or use NMLS Consumer Access for lenders licensed through NMLS.
Answers are generated from the listings and verified rules on this page; see Sources below.
Sources
Listings, statistics and rules on this page come from these sources, with how many locations each one supplied.
- Florida OFR licensee files (registration data download) · 907 locations Last verified Oct 15, 2026
- OneMain Financial branches (Florida) · 69 locations Last verified Oct 15, 2026
- OpenStreetMap (Overpass API), Florida · 67 locations Last verified Oct 15, 2026 © OpenStreetMap contributors, ODbL 1.0
- Republic Finance locations (Florida) · 14 locations Last verified Oct 15, 2026
- EZPAWN store locator (Florida) · 1 location Last verified Oct 15, 2026
- Fla. Stat. § 516.02(2)(a), Fla. Stat. § 516.02(1) · General rules, Installment and consumer finance loans Last verified Oct 8, 2026 · high confidence
- Fla. Stat. § 560.403; OFR consumer page (payday lenders) · General rules Last verified Oct 8, 2026 · high confidence
- Fla. Stat. § 560.404(5), Fla. Stat. § 560.404(6)(a), Fla. Stat. § 560.404(8), Fla. Stat. § 560.404(19), Fla. Stat. § 560.404(22), Fla. Stat. § 560.404(22)(a), Fla. Stat. § 560.404(18), Fla. Stat. § 560.404(26), Fla. Stat. § 560.404(24)(a), Fla. Stat. § 560.404(24)(b) · Payday loans (deferred presentment), Statewide loan database Last verified Oct 8, 2026 · high confidence
- Fla. Stat. §§ 560.309(8), 560.404(6)(b) · Payday loans (deferred presentment) Last verified Oct 8, 2026 · high confidence
- Fla. Stat. § 560.406(1) · Payday loans (deferred presentment) Last verified Oct 8, 2026 · high confidence
- Fla. Stat. § 560.403 · Payday loans (deferred presentment) Last verified Oct 8, 2026 · high confidence
- Fla. Stat. § 537.011(1), Fla. Stat. § 537.011(3) · Title loans Last verified Oct 8, 2026 · high confidence
- Fla. Stat. § 537.004(1) · Title loans Last verified Oct 8, 2026 · high confidence
- Fla. Stat. § 516.031(1) · Installment and consumer finance loans Last verified Oct 8, 2026 · high confidence
- Fla. Stat. § 539.001(11)(a), Fla. Stat. § 539.001(10), Fla. Stat. § 539.001(2)(a), (3)(a), Fla. Stat. § 539.001(20) · Pawn loans Last verified Oct 8, 2026 · high confidence
We re-check sources regularly and show the date each was last verified. Spotted a mistake? Tell us and we'll check it against the source.
CashAdvance is not a lender and does not take applications. Listings are information only, built from public records (such as state license lists) and lenders' own published details. Confirm hours, fees and terms with the lender before you visit or borrow.