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 Port Saint Lucie, Florida
Florida payday loan rules that apply in Port Saint Lucie
- 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.
Port Saint Lucie at a glance
| Metric | Port Saint Lucie | Florida | United States |
|---|---|---|---|
| Population | 238,962 | 21.9M | 332.3M |
| Median household income | $76,114 | $75,446 | $85,275 |
| Median rent | $1,791/mo | $1,604/mo | $1,432/mo |
| Income spent on rent | 33.7% | 35.8% | 31.6% |
| Homeownership | 82.6% | 67.2% | 65.4% |
| Poverty rate | 8.5% | 12.7% | 12.6% |
| Unemployment rate | 5.6% | 4.8% | 5.3% |
| Without health insurance | 10.8% | 11.9% | 8.6% |
| Veterans | 9.5% | 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 Port Saint Lucie
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 Port Saint Lucie
- 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 Port Saint Lucie
- 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.
Port Saint Lucie in context
- Population rank in Florida
- 21st
- of 93 Florida cities with 50,000+ residents
- Median household income rank
- 40th
- of 93 Florida cities with 50,000+ residents
- Households earning under $25,000
- 11.1%
- ▼ 4.3 pts vs FL
- Median home value
- $315,543
- ▼ 8% vs FL
- Home value to income
- 4.1×
- A $400 emergency expense
- 1.9 days
- of median household income
Payday loan stores in Port Saint Lucie, FL
Licensed storefront lenders in Port Saint Lucie 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 |
|---|---|---|---|
| 1149 SE Port Saint Lucie Blvd. Port Saint Lucie, FL 34952 | (772) 335-0220 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 7540 S. US Hwy. 1 Port Saint Lucie, FL 34952 | (772) 621-4433 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
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| 1393 NW Saint Lucie West Blvd Port St. Lucie, FL 34986 | (772) 343-7483 | — | 3.9 |
Fast & secure payday loans in Port Saint Lucie, Florida
Unexpected expenses can happen anytime. If you need urgent cash in Port Saint Lucie, 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 Port Saint Lucie 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 Port Saint Lucie 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.
Port Saint Lucie payday loan FAQ
How much cash can I borrow in Port Saint Lucie?
Loan amounts in Port Saint Lucie 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 Port Saint Lucie 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 Port Saint Lucie 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 Port Saint Lucie?
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 Port Saint Lucie residents?
To qualify, you must:
- Be at least 18 years old.
- Live in Port Saint Lucie or the surrounding Florida area.
- Have an active checking account in your name.
- Provide proof of consistent monthly income (employment, benefits or recurring deposits).