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Get a Payday Loan in Florida – Apply Today!

If you are looking to get a Payday Loan in Florida to help get you through the month, Harpsey is here to help. From Miami to Orlando, or wherever you are in Florida, we can match you to a lender with our fully online service, with bad credit and no credit check options available. It’s fast, easy and free – apply now and you could have access to the money in your account in just a few hours.

Key Features of Payday Loans in Florida


Direct Lenders Yes
Bad Credit Yes
Same Day Funding Yes
Maximum Loan Amount
APR 304%
Maximum Loan Term
31 days

How Much Would a $500 Loan Cost in Florida?


This is a representative example. Terms will differ from lender to lender.

If you borrow $500 at 304% APR, you would pay back $681.66. The charges, broken down, are $500 principal, $126.66 in interest, and $55 in finance charges.

Is A Payday Loan in Florida Right For Me?

We understand that life can throw challenges our way that leave us short financially, from unexpected bills to emergency payments. If you find yourself needing a short term loan, we can connect you to a lender online who can get you the money you need to see you through to your next payday.

You might have a bad credit rating or no credit at all. Don’t worry! We work with lenders who can specialize in supporting people with all types of credit history. Most importantly, when deciding if a payday loan is right for you, consider whether you can afford to make the scheduled repayments.

How Can I Get a Payday Loan Fast in Florida?

Our fully online process means after filling in our form you will have an instant decision from lenders across Florida. If you are looking for $100, $300 or $500, you could have the money in your account the same day. 

For larger loan amounts, there may be additional credit checks required by your lender, but our quick application can certainly get you approved within 1 business day. To make the process as quick as possible, make sure to have up to date information of your work and income at hand to respond to your chosen lender by phone or email.

Can You Offer Payday Loans With No Credit Checks in Florida?

If you are looking for a payday loan with no credit checks, Harpsey can help. Most lenders do require a credit check to make sure they are confident you can meet your repayment terms but our online system makes it possible to find a reputable lender that can focus on other factors than just your credit score. 

For instance, it is possible to get approval for your loan based on indicators such as your monthly income and employment information. We use a soft search approach which means your inquiry with us will not be visible on your credit history.

I Have a Bad Credit Score – Can I Get a Payday Loan in Florida?

Yes, you can still get a payday loan with a bad credit score in Florida. Even if you have had a previous application turned down by a bank or other lender because of your poor credit history, you should still submit a request with Harpsey

A Payday loan might be the solution for you to help rebuild your financial strength. As long as you meet the eligibility for a loan including being a US resident and having a stable income, you can use our free service to match your loan application to a lender most likely to approve you.

florida payday loans

What Happens If I Can’t Repay Back My Payday Loan in Florida?


If you fail to meet your repayments there can be serious consequences for your credit rating. You must contact your lender immediately if you become aware you will struggle to meet your repayments. They may be able to help in providing a more flexible repayment plan. 

It would be best to think about how much you actually need to borrow before getting started. Consider how you will be making your repayments, either from your income or from your savings, and whether you can comfortably make these repayments on time. 


How Do I Repay Back My Loan in Florida?


Repayments for your payday loan in Florida are made in equal monthly installments. This will be collected automatically from your bank account and you will be reminded of any upcoming payments, making the process easier for you. There are options of repayment periods lasting up to five years. 

You can even have the option to repay your loan early. Some lenders might charge a fee for this, but as less interest will have added up over time you can often save money for early repayment.


Am I Eligible For a Payday Loan in Florida?


In order to get approved for a payday loan in Florida, there are a few simple requirements that you must fit. If you fit the below criteria, no matter what your credit history is, click Apply Today to get started:

  • You must be a US resident
  • You must be over the age of 18 
  • You must earn a minimum of $800 per month
  • You must have a regular, stable income
  • You must have a live checking account for your loan to be deposited into

How to get a Payday Loan in Florida in 3 Simple Steps:

Step 1: Fill In Our Online Application Form – It Only Takes 5 Minutes!
Step 2: We Will Match You With A Lender To Best Suit Your Needs
Step 3: If Approved, You Could Have Money In Your Account The Very Same Day


Where in Florida Can I Get a Payday Loan?

Our easy online application process means you can apply for a payday loan from anywhere in Florida. We work with lenders across the whole state to find you the most competitive loan rate for your financial needs.

Areas in Florida we can help to search for the best payday loans are included in the list below:

Altamonte Springs
Boca Raton
Bonita Springs
Boynton Beach
Cape Coral
Coconut Creek
Coral Gables
Coral Springs
Country Club
Cutler Bay
Daytona Beach
Deerfield Beach
Delray Beach
Fort Lauderdale
Fort Myers
Fort Pierce
Four Corners

Horizon West
Kendale Lakes
Lehigh Acres
Miami Beach
Miami Gardens
North Lauderdale
North Miami
North Port
Palm Bay
Palm Beach Gardens
Palm Coast
Palm Harbor
Pembroke Pines
Pine Hills

Pinellas Park
Plantation city
Pompano Beach
Port Charlotte
Port Orange
Port St. Lucie
Spring Hill
St. Cloud
St. Petersburg
The Hammocks
The Villages
Town ‘n’ Country
University CDP
Wesley Chapel
West Palm Beach
Winter Garden
Winter Haven

FAQs | Payday Loans in Florida

No. We will never charge a fee and using our service is completely free. Once your loan is approved and becomes active, your lender will charge interest which will be presented to you before you proceed.

Harpsey helps to process loans anywhere from $100 to $35,000. You will receive the money in one lump sum. The maximum amount that you can borrow in Florida is $500.

In Florida you can only have 1 payday loan at a time. Should you want to take out a new loan, you must repay back your current loan and wait 24 hours before a new loan can be approved.

There is a maximum interest rate of 304% in Florida. This cap exists to limit excessively high interest rates and is extra protection for borrowers.

Your application will not appear on your credit history. You might want to consider another option such as borrowing from friends or family.

If you are unable to repay your loan in Florida, make sure that you immediately contact your lender. They may be able to offer alternative arrangements.