Payday Loans Florida

Acquiring online payday loans in Florida is, in fact, legal, but it is important to note that there are stringent limitations in doing so. The rules are set in place to protect consumers’ best interests in times of need.

Luckily, as long as you abide by these restrictions, should you run into any issues with your lender, the state of Florida will be able to assist you. Keep in mind that if you obtain online personal loans in Florida, the state might be limited in its ability to help you when in need.

First and foremost, you want to make sure that you are using a Florida licensed lender. If you end up with a payday loan from an online lender that does not have proper licensing by the state, the state will be limited in its ability to assist you. We’ve compiled a list of the best online payday loans in Florida for your convenience.

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The 10 Best Online Payday Loans in Florida

Here is a list of the 10 best online payday loans in Florida to start you off on the right foot.


Lending Bear Payday Loans Online Florida

Lending Bear has provided short-term solutions for loans across Alabama, Florida, Georgia, Louisiana, South Carolina, and Tennessee for over thirty years. With the main focus on providing customers with quick cash options, Lending Bear has several different loan options, including; payday loans, title loans, pawn loans, and online installment loans in Florida.

One unique feature about Lending Bear is that you can gain access to its lending services online or visit them in the office. You can find the Lending Bear headquarters in Jacksonville, Florida.

Lending Bear has a five-star rating on the Better Business Bureau and a 4.9 star Google Rating based on over 5,600 reviews. It also ensures confidence in its lending by being a proud member of several different financial associations, including the National Pawnbrokers Association (NPA), Borrow Smart, and the Community Services Association (CFSA).

You can view all of the Florida payday loan rates and terms on display on the website, so you know what you are getting yourself into right away, before even speaking to someone from Lending Bear. If you’re interested in pursuing a payday loan through Lending Bear, you can take comfort in knowing that it completes most transactions in less than 15 minutes.


Check City Florida Online Payday Loans

Another payday lender that offers online services and in-store services is Check City. Check City currently only has physical store locations in Colorado, Nevada, Utah, and Virginia. But, while Check City does not have any locations in Florida, the company is licensed and regulated by the Florida Office of Financial Regulation based out of Tallahassee, making them able to safely lend online to anyone in Florida.

In addition to state laws and regulations, Check City issue to follow federal law regarding cash advances, including the Truth and Lending Act (TILA), the Electronic Fund Transfer Act (EFTA), the Fair Credit Report Act (FCRA), the Gramm-Leach-Bliley Act (GLBA), and the Equal Credit Opportunity Act (ECOA).

You can access examples of APR and Fee Schedules through Check City by looking on the website, although your specific agreement will define your terms and conditions for your payday loan. 

According to the Better Business Bureau, Check City has a 4.45-star rating. However, it is essential to note that the reviews are pretty dated, with the most recent post coming from September 2019.


Check Into Cash Payday Loans Florida Online

Like Lending Bear, Check Into Cash is both an online and in-store payday lender licensed in Florida. Check Into Cash has been in the short-term credit solution industry for nearly 30 years and was founded in 1993 in Cleveland, Tennessee. Today, there are over 700 Check Into Cash stores across the country.

Check Into Cash provides several different services across 25 different states, including Cash Advances, Title Pawns, Title Loans, Check Cashing, Payday Advances, Western Union, Bill Pay Services, and reloadable U.S. Money Cards. Online loan products offered by Check Into Cash include Installment Loans and Payday Loans.

For a Florida payday loan, you can apply online or call a customer service representative to see what you are pre-qualified to receive. To help ensure confidence in customers, Check Into Cash is a member of INFiN, a Financial Services Alliance, and its site has been assured with verified identity through Network Solutions.

According to the Better Business Bureau, Check Into Cash, Inc. is rated with 2.6 stars based on customer reviews. While this isn’t the highest rating, the number of complaints is relatively limited when considering how large an operation Check Into Cash runs.


Advance America Payday Loan Service Online Florida

Advance America has been a trusted lender in Florida for over twenty years, quickly providing payday loans, installment loans, and title loans to anyone in need that meets the qualifications. Operating both online and in-store, Advance America has over 190 stores in Florida alone.

You can quickly start an online application or go into a store to apply for a payday loan. Whichever option you choose, your approval should only take a few minutes. Then, you will receive your cash the same day as your approval. You can even opt to apply online and pick up the money in-store at one Florida location.

Advance America is a member of INFiN and the Online Lenders Alliance (OLA) to ensure all transactions’ safety. The Advance America website has also been provided with the Norton Seal as part of the DigiCert family of products, shared by other major payment gateways, including PayPal.

According to Trustpilot, a consumer review website, Advance America has a 4.8-star rating with over 50,000 reviews. Advance America also boasts a 5-star rating through Google with over 90,000 reviews listed there.


Cash Central Florida Personal Loans

Cash Central is another lender providing online options for payday loans that are licensed in the state of Florida. Cash Central is only accessible online, where you can quickly and easily view the terms of Florida payday loans without having to speak with a representative.

Ensuring the safety and security of the loans provided to you by Cash Central, the company is a member of INFiN, a Financial Services Alliance formerly known as the Financial Service Centers of America (FiSCA). INFiN comprises former FiSCA members, and the Community of Financial Services Association of America (CFSA) is the leading national trade association.

For payment purposes, Cash Central deposits your payday loan directly into your checking account. Once your loan comes due, the funds are automatically accessed through the same checking account information provided with your approval of the electronic withdrawal. There are alternative repayment options available if you contact Cash Central directly.

Unfortunately, Cash Central, listed under the parent company Community Choice Financial, Inc., has a one-star rating on the Better Business Bureau. There are less than 20 reviews posted, but almost every one of them has comments about poor customer service.


Maybe Loan Florida Online Cash Advance

MaybeLoan began in 2014 as a developing online lending company based out of Russia and Ukraine. Fast forward to 2017, and MaybeLoan has expanded to the demanding market within the United States, where 100 people receive loans daily through its services. Today, MaybeLoan is licensed in 39 states across the country, including Florida.

If you are looking for fast cash, you can fill out an application through the website and if you are approved, have your money in as little as 24 hours. While MaybeLoan will check to ensure you can repay the loan, it does not focus on a credit score. That means, if your credit score has seen better days, you don’t have to worry about it impacting your ability to be approved for a payday loan.

Quickly access the MaybeLoan Loan Payments Calculator in Florida through the website, where you can easily see what your monthly payments will look like, in addition to a breakdown of the principal amount, total interest, and full payment.

According to, MaybeLoan has a Trustscore of 95%, ranking it with a high trust rating and, therefore, as a safe website to use.


Cashnet USA Internet Payday Loans In Florida

CashNetUSA has been in the short-term lending industry for just shy of twenty years. It is a Florida state-licensed online lender offering a variety of loans, including payday loans, installment loans, and other credit products. CashNetUSA has worked with over three million customers across the country.

For anyone looking for online short-term loans in Florida, CashNetUSA provides loans of up to $350, which is unique as the state maximum is $500. The company is known for its smaller payday loans, usually no more than $500, which depends entirely on the state you are currently living in.

You can easily apply online and receive a same-day deposit if your application is approved before 11:30 am Monday through Friday, and decisions on your application are made immediately. To review the Fee Schedule and Annual Percentage Rates offered by CashNetUSA, you can look on the website based on the loan amount in question.

According to Trustpilot, CashNetUSA has a 4.6-star rating with over 15,500 customer reviews, with only 5% of reviews ranking the business as Bad. When pursuing the reviews through Trustpilot, you’ll quickly see that CashNetUSA is quick to respond to any negative comments in hopes of alleviating the situation further.


Check n Go Payday Loans Florida Online

Check ‘n Go is another online payday lender that also operates out of physical stores throughout Florida in 40 different locations. The first store location opened in 1994 in Covington, Kentucky, and has since expanded to offer online services and in-store services across 1,000 areas in the United States.

Online payday loans in Florida through Check ‘n Go are available in amounts from $100 up to the state maximum of $500. You can call or complete an online application, and once it has been approved, your funds will be deposited into your checking account as soon as the next business day.

To apply for a payday loan through Check ‘n Go, you will need to provide the following information: a valid ID, active checking account, working telephone number, and proof of income.

Despite being such a widely used lending company across the country, Check ‘n Go currently has a 1-star rating on the Better Business Bureau (BBB), with a lot of current reviews and current alerts posted for the business. If you decide to pursue a loan through Check ‘n Go, you must proceed with caution after reviewing the alerts listed on the BBB website.


Fast Payday Loans Florida

Fast Payday Loans, Inc. is based out of Florida and provides short-term lending options online or through any 30 locations across the state. 

To get the cash you need, you can be approved and funded in as little as 30 minutes or less. To get your application processed, you will need a state-issued I.D. or driver’s license, a blank check from your active checking account with your name, and your most recent pay stub.

Once you apply online, a representative from Fast Payday Loans, Inc. will call you back to arrange your funding. Rate Fees and Terms can be viewed online, although yours will be unique to your specific lending situation. helps consumers to be able to identify whether a website is legitimate or a scam quickly. According to Scam Adviser, Fast Payday Loans, Inc. has a 65% Trustscore. Based on this rating, Scam Adviser believes that Fast Payday Loans, Inc. is most likely not a scam based on the medium to low-risk level.


The Check Cashing Store Payday Loans Florida

The Checking Cash Store is another Florida-based lending company that offers online services, including payday loans. Since Dollar Financial Group, Inc. purchased The Check Cashing Store, it is now a sister company of Money Mart Financial Services Group, which operates in 12 different states across the country.

Apply online through The Checking Cash Store’s website using their application which requires proof of the following information: Florida residency, over 18 years old, steady income, open checking account, and an active email address you currently use.

Find out more information about the types of payday loans that The Checking Cash Store has to offer and the terms associated with these loans. The Checking Cash Store provides two different payday loan options, a traditional payday loan and a payday plus loan. The payday plus loan is a slightly less expensive option for those who qualify.

The application process is the same for both. Depending on your circumstances, The Checking Cash Store representative will then present you with whichever loan options are the best for your situation. Online applications are processed immediately, and once approved, The Checking Cash Store will directly deposit your funds into your checking account.


That’s a wrap on the 10 best online payday loans in Florida. Remember that before you get started with filling out applications for your loan, you want to make sure that you have done your research and found a licensed lender by the state of Florida. Luckily, if you decide to move forward with any of the companies from our list, you don’t have to worry about whether or not they are appropriately licensed.

It is crucial to ensure proper licensing because the state of Florida wants to be able to protect you should any issues arise in the lending process. If the state licenses the company you have your loan through, the state has more authority over the agency, ensuring they can help you to receive the proper recovery when it is needed. 

At the end of the day, if you are in a situation where you need quick cash and a payday loan is your only option, you don’t want to have to worry about anything else other than getting the money you need. That’s why we put together this list to help you get the answers fast and be one step closer to getting your cash.

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