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.
Payday loans in Orlando, Florida
Florida payday loan rules that apply in Orlando
- Max loan amount
- $500
- Min loan term
- 7 days
- Max loan term
- 31 days
- Finance charge cap
- 10% of check + $5 fee
- Max absolute fee
- $55
- Typical APR
- ~304%
- Rollovers (extensions)
- Prohibited
- Simultaneous loans
- 1 active loan
- Right to rescind
- Next business day
- Governing law
- Florida Deferred Presentment Act
- Regulator
- FL Office of Financial Reg.
Orlando at a glance
| Metric | Orlando | Florida | United States |
|---|---|---|---|
| Population | 1.1M | 21.9M | 332.3M |
| Median household income | $75,099 | $75,446 | $85,275 |
| Median rent | $1,674/mo | $1,604/mo | $1,432/mo |
| Income spent on rent | 35.6% | 35.8% | 31.6% |
| Homeownership | 54.0% | 67.2% | 65.4% |
| Poverty rate | 14.1% | 12.7% | 12.6% |
| Unemployment rate | 5.9% | 4.8% | 5.3% |
| Without health insurance | 13.0% | 11.9% | 8.6% |
| Veterans | 5.3% | 7.7% | 6.5% |
Source: U.S. Census Bureau, American Community Survey, by ZIP code. City and state figures are population-weighted averages of ZIP code data and are approximate.
Payday loan cost calculator for Orlando
Move the sliders to see what a payday loan would cost under Florida rules and how it compares with local incomes.
Florida maximum: $500
Florida maximum: $11
Rollovers are not allowed in Florida.
- Fee
- $55
- Total to repay
- $555
- APR
- 287%
- Share of a two-week household paycheck in Orlando
- 1.9%
Estimate only. APR = fee ÷ amount × 365 ÷ term. Lenders may charge less than the state maximum; actual terms vary.
What a payday loan costs in Orlando
- Fee on a $500 loan
- $55
- Share of a two-week household paycheck
- 1.9%
- Hours of work at the local median wage
- 3.1 hours
- Rollovers
- Not allowed in Florida
Example based on the Florida maximum fee for the maximum loan and local median incomes: two-week paycheck = household income ÷ 26, hourly wage = individual income ÷ 2,080. Actual terms vary by lender.
Orlando in context
- Population rank in Florida
- 2nd
- of 93 Florida cities with 50,000+ residents
- Median household income rank
- 43rd
- of 93 Florida cities with 50,000+ residents
- Households earning under $25,000
- 14.7%
- ▼ 0.7 pts vs FL
- Median home value
- $331,357
- ▼ 3% vs FL
- Home value to income
- 4.4×
- A $400 emergency expense
- 1.9 days
- of median household income
Payday loan stores in Orlando, FL
Licensed storefront lenders in Orlando with addresses, phone numbers and hours. We do not rank or recommend any lender; confirm each company's license with the FL Office of Financial Reg. before you borrow.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 11241 E Colonial Dr Ste 205 Orlando, FL 32817 | (407) 737-6043 | — | 4.9 |
| 1523 S Crystal Lake Dr Orlando, FL 32806 | (407) 893-6484 | — | 5.0 |
| 4490 S Semoran Blvd Orlando, FL 32822 | (407) 737-0866 | — | 4.8 |
| 4560 S Kirkman Rd Orlando, FL 32811 | (407) 523-9494 | — | 4.9 |
| 4712 S Orange Blossom Trl Orlando, FL 32839 | (407) 857-0222 | — | 4.9 |
| 5030 W Colonial Dr Orlando, FL 32808 | (407) 578-5926 | — | 4.9 |
| 5171 S John Young Pkwy Orlando, FL 32839 | (407) 851-1500 | — | 4.9 |
| 6325 N Orange Blossom Trl Ste 111 Orlando, FL 32810 | (407) 292-7294 | — | 4.8 |
| 6950 Silver Star Rd Orlando, FL 32818 | (407) 822-4240 | — | 4.9 |
| 12981 S. Orange Blossom Trail, Sedano's Supermarket Orlando, FL 32837 | (407) 255-2720 | Mon–Thu 10:00 AM – 6:00 PM Fri–Sat 10:00 AM – 7:00 PM Sun closed |
— |
| 13851 S. John Young Pkwy, Unit 104 Orlando, FL 32837 | (407) 859-0277 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 4473 South Semoran Blvd. Orlando, FL 32822 | (407) 207-2630 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 5600 W. Colonial Drive, #315 Orlando, FL 32808 | (407) 291-6467 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 7661 South Orange Blossom Trail Orlando, FL 32809 | (407) 251-4240 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 12321 E Colonial Dr Ste 160 Orlando, FL 32826 | (407) 587-0045 | — | 3.7 |
| 2069 Town Center Blvd Orlando, FL 32837 | (407) 857-9535 | — | 4.3 |
| 4972 E Colonial Dr Orlando, FL 32803 | (407) 894-5771 | — | 3.4 |
| 7083 Grand National Dr Ste 103 Orlando, FL 32819 | (407) 490-0179 | — | 2.3 |
| 7315 W Colonial Dr Orlando, FL 32818 | (407) 299-0950 | — | 4.2 |
| 4020 S Semoran Blvd Orlando, FL 32822 | (321) 684-4915 | — | 4.9 |
| 7611 S Orange Blossom Trl Orlando, FL 32809 | (407) 901-5019 | — | 4.9 |
| 4099 W Town Center Blvd Orlando, FL 32837 | (407) 352-9098 | — | 4.3 |
| 218 S Semoran Blvd Orlando, FL 32807 | (407) 482-1066 | — | 4.6 |
| 121 S Orlando Ave Ste 1500 Off# 1501 Orlando, FL 32801 | (321) 347-3550 | — | 4.8 |
Fast & secure payday loans in Orlando, Florida
Unexpected expenses can happen anytime. If you need urgent cash in Orlando, our service connects you with trusted, state-licensed lenders.
Apply online from the comfort of your home, get a fast decision and, if approved, receive funds in your bank account as soon as the next business day.
Why Orlando residents use us
- Fast 5-minute request A simple online application, with no waiting in line at a storefront.
- Bad credit considered Lenders focus on your steady income, not just your credit history.
- Borrow up to $500 Loan terms must comply with the Florida Deferred Presentment Act.
- Safe & confidential Your personal and financial details are sent over an encrypted connection.
Notice for Orlando residents: Payday loans are designed for short-term emergency needs and should not be used as a long-term debt solution. Interest rates, fees and maximum loan amounts are governed by Florida law (Florida Deferred Presentment Act). Always review the contract terms carefully before signing.
Orlando payday loan FAQ
How much cash can I borrow in Orlando?
Loan amounts in Orlando are typically from $100 up to $500, in line with Florida lending law. Your exact approved amount depends on your verifiable income, existing debt and the lender’s evaluation.
Do I need to visit a storefront in Orlando to apply?
No. The whole process is handled securely online, so you don’t need to wait in line at a local check-cashing store or branch. If approved, your funds are deposited directly into your bank account by ACH transfer.
Can I qualify for a payday loan in Orlando with poor credit?
Possibly. A traditional FICO score is not the only factor. Lenders in our network mainly look at whether you have a steady, recurring income and an active checking account to handle repayment. Approval is not guaranteed.
How quickly will I receive my funds in Orlando?
Many applicants get a decision within minutes. Once you review and e-sign your agreement, lenders typically release the cash the same day or the next business day, depending on your bank’s transfer cutoff times.
What are the minimum requirements for Orlando residents?
To qualify, you must:
- Be at least 18 years old.
- Live in Orlando or the surrounding Florida area.
- Have an active checking account in your name.
- Provide proof of consistent monthly income (employment, benefits or recurring deposits).