Overview
Payday Loans in Florida
Payday loans are legal in Florida and regulated by the Florida Office of Financial Regulation (OFR). Cash Day USA is a licensed Florida lender offering short-term loans with transparent terms at our Miami Kendall location.
What You Need
What Do You Need to Apply?
Here is what we ask for to verify your loan eligibility in Florida:
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18 years of age or older
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Valid Florida or US government-issued photo ID
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Active US checking account
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Proof of Florida residential address
How It Works
How to Get a Payday Loan in Florida
Applying through Cash Day USA is a quick, simple, and secure process:
1
Visit Our Miami Store
Come into our Kendall location at SW 117th Ave. Our bilingual staff will guide you through the form in English or Spanish in about 5 minutes.
2
Fast Loan Decision
We review your application immediately without a hard credit check. Most customers receive a decision within minutes.
3
Walk Out with Cash
Once approved, receive cash on the spot or get a same-day bank deposit for qualifying applications before 10:30 AM.
*Loans originated before 10:30 AM on weekdays are typically funded the same day. Applications after 10:30 AM or on weekends are processed on the next banking day.
Consumer Protection
How Florida Laws Protect You
Florida law and state regulations are designed to give borrowers important protections:
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Maximum payday loan amount is $500 in Florida.
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The loan term must be between 7 and 31 days.
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Finance charge is capped at 10% of the loan amount plus a $5 verification fee.
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No rollovers — only one loan at a time per borrower.
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A 24-hour grace period is required before a new loan after full repayment.
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Lenders must be licensed by the Florida OFR.
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A statewide database tracks loans to ensure one-loan-at-a-time compliance.
Why Choose Us
About Cash Day USA in Florida
Cash Day USA's Miami Kendall location has been serving South Florida residents for over 5 years. We offer bilingual service in English and Spanish.
⚠️ Customer Notice
Florida law limits payday loans to one at a time. Only borrow what you need and plan your repayment carefully.
Get quick cash in Florida today!
Apply online or visit one of our Florida locations — it takes only minutes.
Apply Now
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