Payday Loans in Florida

Steps

1. Submit one request through LendUp or contact a licensed lender directly.
2. Gather what you'll need: government-issued ID, proof of income, and your checking account details for deposit and repayment.
3. Review the offer: confirm the due date, total fees (sometimes labeled "finance charge"), and how the automatic withdrawal will work.
4. Read the final agreement carefully before you accept, especially the automatic withdrawal authorization and any returned-check fee terms.

What to expect

• Bad credit: Most payday lenders do not run a traditional credit check - approval is typically based on income and identity verification.
• Credit check: Some lenders use alternative data or soft pulls; ask the lender what type of check they run before you authorize anything.
• Florida database check: Every licensed lender must query the statewide Deferred Presentment Transaction System before approving you. If you already have an open loan - or a recently paid-off loan within the last 24 hours - you will be declined.
• Timing: Funding speed depends on the lender and your bank's posting schedule; same-day or next-business-day deposit is common but not guaranteed.
• Repayment method: Most offers use a scheduled automatic withdrawal from your checking account on the due date.

Before sharing your Social Security number or bank details, confirm the lender holds an active Florida license using the OFR's public lookup.

Florida OFR - verify a license

1. Go to the OFR license verification page linked above. Select the appropriate license type for the lender you want to check (deferred presentment providers fall under the OFR's financial services categories).
2. Enter the lender's business name or any "doing business as" (DBA) name shown on their website and click Search.
3. Open the matching result and confirm the license status reads Active and that the address, phone number, or website listed matches what you're using.
4. If you can't find the lender, call the OFR at 850-487-9687 (option 1) before you proceed.

To file a complaint or report a lender you believe is operating without a license, contact the Florida Office of Financial Regulation - submit a complaint or tip.

You can also start with LendUp and we'll try to match you with providers that are licensed to serve Florida.

Your rights in Florida

• You can only be charged fees that are authorized under Florida's payday lending rules - no additional charges are permitted beyond what the agreement discloses.
• Rollovers are banned. A lender cannot charge you a fee to extend or delay repayment.
• If you tell the lender in person before the due date that you cannot repay in full, you are entitled to a 60-day grace period at no extra charge - provided you schedule a consumer credit counseling appointment within 7 days and complete it within the grace period.
• Only one payday loan may be outstanding in your name at any time; a licensed lender is required to check the statewide database and refuse to issue a loan if you already have one open.

Walk away if

• An upfront fee is required before you receive any money.
• The contract doesn't clearly show the due date and the total fees (sometimes labeled "finance charge").
• The lender won't explain how to cancel or update your automatic withdrawal authorization.
• The business cannot be found in Florida's OFR license lookup, or the registry details don't match the website you're using.
• You feel pressured to sign immediately without getting clear answers about fees, timing, or what happens if a payment fails.

Before you accept any offer, review Florida-specific cost rules on Florida rates and fees, compare options on Florida alternatives, and protect your information with scams and safety basics.