Payday loans in Florida: what the law allows
Yes. Florida allows payday loans up to $500, with a fee limit of 10% of the amount provided, plus a verification fee. We haven't confirmed Florida's car title loan rules yet.
Florida
Payday loans
Allowed
Car title loans
Not confirmed yet
- Largest loan
- $500
- Fee limit
- 10% of the amount provided, plus a verification fee
- Shortest term
- 7 days
- Longest term
- 31 days
- Renewals (rollovers)
- Not allowed
- Wait before a new loan
- 1 days
- Extended payment plan
- Required to be offered
“The face amount of a check taken for deferred presentment transactions not repayable in installments may not exceed $500, exclusive of the fees allowed under this part.”
Florida Office of Financial RegulationLook up a lender's license
Checked 2026-09-15. Laws change; confirm with the regulator before you borrow.
Before you borrow
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Common questions
Are payday loans legal in Florida?
Yes. Florida allows payday loans up to $500, with a fee limit of 10% of the amount provided, plus a verification fee.
Are car title loans legal in Florida?
We haven't confirmed Florida's car title loan rules yet.
How do I check a lender's license in Florida?
Look the lender up with Florida Office of Financial Regulation, which licenses lenders in Florida.
Do these rules protect service members?
Yes. The Military Lending Act limits payday and car title loans for covered service members to 36%, in every state.
Information, not legal advice. Laws change; confirm with the state regulator.