Compare legal limits, fees and the true cost of small loans in your state before you talk to any lender. Compare legal limits, fees and the true cost of small loans in your state.
Banks vs Payday Loans in Lake City, FL
10 branches of 6 FDIC-insured banks operate in Lake City. Data: FDIC BankFind, as of June 30, 2026. There are also 4 payday, installment and title loan stores of 4 chains in Lake City — about 2.5 bank branches for every loan store.
- Bank branches
- 10
- Payday & loan stores
- 4
- Banks
- 6
- Loan store chains
- 4
- Bank branches per 100k
- 16.5
- Loan stores per 100k
- 6.6
Payday and installment loan stores in Lake City
Addresses and phone numbers of storefront lenders in Lake City. These loans usually cost far more than a bank or credit union loan — compare first.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 905 SW Main Blvd., #120 Lake City, FL 32025 | (386) 754-4023 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 2941 W US Hwy 90 #103 Lake City, FL 32055 | (386) 269-8080 | — | 5.0 |
| 163 SW Stonegate Terrace Ste. 101 Lake City, FL 32024 | (386) 758-3008 | — | 4.8 |
| 225 NW Commons Loop Ste 105 Lake City, FL 32055 | (386) 755-0021 | — | 4.0 |
Bank branches in Lake City
| Address | Branch | Type |
|---|---|---|
| 4705 W Us Highway 90 Lake City, FL 32055 | First Federal Bank Main office | Full service |
| 2571 W Us Highway 90 Lake City, FL 32055 | Highway 90 W. Branch | Full service |
| 4705 W Us Highway 90 Lake City, FL 32055 | First Federal Courier Service Branch | Limited service |
| 707 Sw Main Blvd Lake City, FL 32025 | 1255 South First Street Branch | Full service |
| 151 Nw Commons Loop Lake City, FL 32055 | Commons Office | Full service |
| 514 Sthy 47 Lake City, FL 32025 | South Office | Full service |
| 2357 Sthy 90 West Lake City, FL 32055 | Gleason's Mall Branch | Full service |
| 463 W Duval St Lake City, FL 32055 | West Duval Branch | Full service |
| 350 Sw Main Blvd Lake City, FL 32025 | Lake City Branch | Full service |
| 2844 U.S. 90 West Lake City, FL 32055 | 90 West Office | Full service |
More about Lake City
Bank branches as reported to the FDIC, including main offices; branch phone numbers are not published by the FDIC. Loan stores: storefront locations of major payday, installment and title lenders from lender websites and Google Maps; call ahead to confirm hours. Online-only lenders are not included.