Payday Loans in Florida

Up to $500 until your next payday

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Florida Payday Loan

Florida Payday Loan Rates and Terms

You can apply online or in-store, even with bad credit, to get a fast Florida payday loan for emergency expenses. The maximum loan amount is $500, and you may repay it within 7 or 31 days. The minimum APR varies by lender, but the average is around 304%. There is an almost instant approval decision, and no credit check is performed.

How to Get Payday Loans in Florida?

To get payday loans in Florida, you must follow these steps:

Apply online or in-store by providing the necessary information.

Get approved by our lenders.

Receive your money within one business day.

Pay off the payday loan during the set repayment term.

What Do I Need to Apply for Payday Loans in Florida?

Each lender has its own application requirements for payday loans in Florida. However, these are the basic eligibility criteria to meet:

  • Prove your age with a valid ID card;
  • Pay stubs to show your steady income;
  • Banking details of your checking account;
  • Email address and phone number.

Alternatives to Payday Loans in Florida

When people in Florida need money help, they've got more choices than same-day payday loans online, which can have steep costs. It's smart to look into these other choices to avoid money problems. Here are some alternative options they can choose:

Personal Installme­nt Loans

Another idea is getting a personal installment loan. This loan type means you can borrow a certain amount and pay it off over time with the same payment every month. Ge­nerally, you'll pay less than with payday loans.

Pay Advance­s or Employer Loans

Or, you could ask your boss if you can get your pay early or get a loan from them. Companies sometimes do this for employees who are having financial difficulties.

Cash Advances on Credit Cards

While not ideal due to potential high interest rates, obtaining a cash advance on a credit card might be a more manageable option compared to payday loans. It's crucial to be aware of the associated fees and interest rates.

Title Loans

A title loan is a fast option to get cash in Florida. Borrowers may use their cars as collateral to secure the loan. Usually, they are allowed to drive their cars while paying off the title loans. However, these loans may have high-interest rates and short repayment terms.

Emerge­ncy Assistance Programs

Florida is also home to groups and nonprofits that give e­mergency money to he­lp. If you're stuck in a money mess, the­y might have grants or loans with low interest to cove­r things you need.

Before choosing any alternative, it's essential for individuals to carefully review the terms and conditions, including interest rates, fees, and repayment terms. Additionally, seeking financial counseling or advice from reputable sources can help in making informed decisions tailored to one's specific financial situation.

Why ASAP Finance in Florida

At ASAP Finance, you’ll go through a simple application process and receive a quick approval decision. Our lenders perform soft credit checks, and your credit score won’t suffer, but hard credit inquiries may be available. All types of credit scores are welcome! The funding is available within 24 hours of approval or sooner.

ASAP Finance Stores in Florida

You are welcome to discover our stores in Florida. Choose the most convenient location near you and apply in-store. Our branch managers will help you complete the application form and get approved within minutes.

ASAP Finance in Sarasota, FL

1924 S Osprey Ave suite 203A, Sarasota, FL 34239


ASAP Finance in Cape Coral, FL

447 Cape Coral Pkwy E #110, Cape Coral, FL 33904


Are you not from Florida? ASAP Finance also has locations in Texas, Ohio, Indiana, Missouri, California, and Wisconsin. Check the addresses and visit us during the working hours.

Frequently Asked Questions


How much does a payday loan cost in Florida?

The finance charge of the Florida payday loan doesn’t exceed 10% for every $100. Also, there is a verification fee of not more than $5. The average annual percentage rate is 304%.


Will a payday loan affect my credit score?

If you don’t repay the payday loan on time, the lender might report your missing payments to the major credit bureaus. It can decrease your credit score in the long run.


How do I apply for a payday loan in Florida?

You are advised to access the lender’s website, fill out the loan application form with the needed information, and submit it. Or you can visit our locations and apply in-store. We will connect you with Florida lenders.


When will I receive my funds in Florida?

If you apply for a loan early in the morning, you may receive the money by the end of the same day. But if you get approval in the evening, the lender will transfer the loan on the next business day.


Can I get a loan with a bad or no credit history?

Yes, but you must be aware of higher interest rates.

Fill out the application and get payday loans of up to $500 online today Apply Online Now I read and agree to Terms, Rates, Privacy Policy before submitting a loan request.

Written by Gregory Allen

Updated on Jan 23, 2024