Florida Payday Loans

Get up to $500 in Florida

Borrow up to $500 — no hard credit check

Soft credit inquiry only — zero impact on your score

Same-day funding if approved before 10:30 AM PT on a weekday

1 convenient FL store location

Updated: Jun 08, 2026

Requirements

What Do You Need to Apply?

Here is what we ask for to verify your loan eligibility in Florida:

✓

18 years of age or older

✓

Valid Florida or US government-issued photo ID

✓

Social Security Number

✓

Active US checking account

✓

Proof of Florida residential address

✓

Recent proof of income

✓

Valid phone and email

Process

How to Get a Payday Loan in Florida

Applying through Cash Day USA is a quick, simple, and secure process:

Start your application online

visit one of our branches, or call us at (786) 321-4288. Choose whatever works best for you.

Get approved instantly

Our streamlined process means no hard credit check required.

Get your funds the same day

Money transfers directly to your account without delay.

*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.

Locations

Our Locations in Florida

We deliver emergency assistance across the state. Visit the nearest location to get a payday loan in Florida:

📍 Miami, FL ★ 4.8 (0)

136 NE 1st St, 33131
33131

(786) 321-4288

Payday Loans Installment Loans

View Location Details → Visit Store →

Rates & Terms

Florida Rates & Terms

Payday loans in Florida are regulated with specific limits and protections. The maximum loan amount is $500 with a standard term of 14-31 days. A typical 14-day loan carries an APR of approximately 26.45% APR cap.

Finance Charge	APR (14-day)	APR (31-day)
$10	10%	105
$30	15%	15%
$50	15%	15%

Why Choose Us

About Cash Day USA in Florida

Cash Day USA is a licensed direct lender serving Florida residents. We specialize in fast, transparent payday loans designed for short-term emergency cash needs. With 1 convenient locations across Florida plus a fully online application available 24/7, getting the emergency cash you need has never been easier.

We perform only a soft credit check with no impact on your FICO score. Our income-based approval means borrowers with bad credit or no credit history are welcome to apply. Over 140,000 customers nationwide have trusted us with their short-term lending needs.

Our Florida customers rate us 4.8/5 stars across 1 locations. We're committed to transparent lending practices and compliance with all Florida regulations.

⚠️ 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 1 Florida locations — it takes only minutes.

Apply Now

FAQ

Frequently Asked Questions about Florida Payday Loans

Find answers to common questions about getting payday loans in Florida:

How fast will I receive my loan?

Once you accept and sign the loan agreement, your funds will be transferred within one business day of approval. If you complete your application before 10:30 am on a weekday, you could qualify for same-day funding.

I need more than $500. What are my options?

For larger loan amounts, consider our installment loans. They offer flexible borrowing up to $5,000 with convenient monthly payments spread over a term of up to 24 months, making it easier to manage your repayment.

Can I qualify for a loan with bad or no credit?

We welcome borrowers of all credit backgrounds. Our approval process looks beyond just your credit score and considers your overall financial situation. Apply today to get a quick approval decision within minutes—your application won't affect your credit.

Will the application affect my credit score?

No. Our payday and online loans come with no credit check through major credit bureaus. We use alternative evaluation methods to assess your financial profile, so your credit score remains completely unaffected.