★ Payday Loans Florida 24/7


Payday Loans Florida
Get up to $1000

Personal loans online for anything you need!

Start Now and Get Results Fast!
By submitting your information you agree to Privacy Policy, Terms of Use and Responsible Lending Practices

Payday Loans Florida – What You Need to Know

Each of us has experienced a situation in which a desperate need of money made us search for financing that could be repaid soon and without much effort. An unforeseen event such as a surgery or an urgent car reparation is a financial shortfall in which you are forced to find a quick solution that could get you out of trouble. Well, you should know that quick and simple solutions have been created for you and their name is payday loans.

What Are Payday Loans?

This type of loan is a form of credit that you can borrow for a short period and that you can repay in one lump sum in the following month when you receive your pay. Not only does it have the advantage that you can cash it easily, but it is also designed for you to be done with it very quickly.

Typically, payday loans have a higher APR than other types of loans and they cannot be extended beyond six months. Another advantage includes the fact that low incomes are also accepted, as long as you provide proof that you will be able to repay the loan. Also, you do not risk getting yourself stuck into paying huge loans, as the maximum sum you can borrow is about $1,000.

Because they are designed for people who need small sums of money very fast, payday loans can be easily applied for and the lenders started to accept online applications, as well. In fortunate cases in which the borrower corresponds to the terms of this type of loan, the person in need gets the response in less than 24 hours or even instantly.

The terms and conditions of this type of loan depend on where you live. Therefore, each state has its own restrictions and legislation and the loan interest rates, law and terms may vary considerably.

Payday Loans in Florida

Florida is one of the states that accept payday loans. Moreover, payday loans in Florida are legal, as only payday lenders that are licensed and follow the regulations are allowed to function. Among the most important regulations that Florida imposes for payday loans are:

  • The maximum loan amount a person can borrow is $500
  • The loan term varies from minimum 7 days to maximum 31 days
  • The maximum finance charge is 10% of the loan

How Can I Apply for a Payday Loan in Florida?

In order to qualify, the borrower should take into account the basic requirements that could make him/ her receive the loan fast and efficiently. Florida Payday loans are only given to you if you are over 18 years old and you are a legal citizen of the United States of America. You also need to have a fixed address in this state and be employed.

Even if they are easy to obtain, online payday loans in Florida should be taken seriously and with a high sense of responsibility. Despite the fact that they represent a short-term commitment, the failure of repayment in the next month, on the payday, leads to additional fees and greater interest.

Request a Loan:

Short-term loans are emergency credit products of relatively small amounts designed for short-term financial issues only and can become an expensive product if used for long-term purposes.


The owner and operator of PaydayClick.com is not a lender and is not involved into making credit decisions associated with lending or making loan offers. Instead, the website is designedonly for amatching service, which enables the users contact with the lenders and third parties. The website does not charge any fees for its service, nor does it oblige any user to initiate contact with any of the lenders or third parties or accept any loan product or service offered by the lenders. All the data concerning short-term loan products and the industry is presentedon the website for information purposes only. PaydayClick.com does not endorse any particular lender, nor does it represent or is responsible for the actions or inactions of the lenders. PaydayClick.com does not collect, store or has access to the information regarding the fees and charges associated with the contacting lenders and/or any loan products. Short-term loans are not available in all the states. Not all the lenders in the network can provide the loans up to $1,000. PaydayClick.com cannot guarantee that the user of the website will be approved by any lender or for any loan product, will be matched with a lender, or if matched, will receive a short-term loan offer on the terms requested in the online form. The lenders may need to perform credit check via one or more credit bureaus, including but not limited to major credit bureaus in order to determine credit reliability and the scopes of credit products to offer. The lenders in the network may need to perform additional verifications, including but not limited to social security number, driver license number, national ID or other identification documents. The terms and scopes of loan products vary from lender to lender and can depend on numerous factors, including but not limited to the state of residence and credit standing of the applicant, as well as the terms determined by each lender individually.


APR Representative
APR (Annual Percentage Rate) is the loan rate calculated for the annual term. Since PaydayClick.com is not a lender and has no information regarding the terms and other details of short-term loan products offered by lenders individually, PaydayClick.com cannot provide the exact APR charged for any loan product offered by the lenders. The APRs greatly vary from lender to lender, state to state and depend on numerous factors, including but not limited to the credit standing of an applicant.

Additional charges associated with the loan offer, including but not limited to origination fees, late payment, non-payment charges and penalties, as well as non-financial actions, such as late payment reporting and debt collection actions, may be applied by the lenders. These financial and non-financial actions have nothing to do with PaydayClick.com and PaydayClick.com has no information regaining whatsoever actions may be taken by the lenders. All the financial and non-financial charges and actions are to be disclosed in any particular loan agreement in a clear and transparent manner. The APR is calculated as the annual charge and is not a financial charge for a short-term product.


Late Payment Implications
It is highly recommended to contact the lender if late payment is expected or considered possible. In this case, late payment fees and charges may be implied. Federal and state regulations are determined for the cases of late payment and may vary from case to case. All the details concerning the procedures and costs associated with late payment are disclosed in loan agreement and should be reviewed prior to signing any related document.

Non-payment Implications
Financial and non-financial penalties may be implied in cases of non-payment or missed payment. Fees and other financial charges for late payment are to be disclosed in loan agreement. Additional actions related to non-payment, such as renewals, may be implied upon given consent. The terms of renewal are to be disclosed in each loan agreement individually. Additional charges and fees associated with renewal may be applied.

Debt collection practices and other related procedures may be performed. All the actions related to these practices are adjusted to Fair Debt Collection Practices Act regulations and other applicable federal and state laws in order to protect consumers from unfair lending and negative borrowing experience. The majority of lenders do not refer to outside collection agencies and attempt to collect the debt via in-house means.

Non-payment and late payment may have negative impact on the borrowers’ credit standing and downgrade their credit scores, as the lenders may report delinquency to credit bureaus, including but not limited to Equifax, Transunion, and Experian. In this case the results of non-payment and late payment may be recorded and remain in credit reports for the determined amount of time.