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Florida Payday Loans and Lenders

Florida Payday Loan Alternatives

Since Payday Loans are not legal in Florida, you will probably want to consider looking into one of our other loan programs. We offer a variety of credit cards, personal loans, and debt consolidation programs that may fit your needs better than a payday loan would have anyway. You may also be interested in our credit counseling program. Check with us here at Payday Today to find out more.

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Florida Payday Lending Laws

The state of Florida has created laws to abolish payday lending. The main law that does so is the law limiting the amount of interest a lender can receive for a loan. Interest on any loan, advance of money, line of credit, debt collection, or any other related situation cannot exceed the equivalent of 18% Annual Percentage Rate (APR). Any interest rate that does exceed this amount is considered usurious. This limitation includes any direct and indirect interest rates, commissions, advances, discounts, or exchanges.

Florida’s usury laws do make a few exemptions that you should be aware of. Any loan exceeding $500,000 is not subject to this interest law, nor are mortgage related loans such as Federal Housing Administration insurance, the Veterans Administration, and other government related mortgage divisions. These interest laws also do not apply to any loan transaction made before 1979.

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Number of Payday Lenders in Florida

There are no payday lenders in the state of Florida.

Florida Unemployment Statistics

According to the United States Department of Labor:
As of January 2006, the unemployment rate in Florida was 3.1, which was 1.2 less than January of 2005. This is one of the lowest unemployment rates Florida has seen in awhile; in the past ten years, the rate has ranged from 2.9 to 6.0.

As of January 2006, there were 271,288 unemployed people in Florida.

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* Payday Today is not a payday lender or broker. We provide research and information about payday lenders and products, and are not necessarily affiliated with the companies featured on this site. Availability of products and services varies by state. Not all independent lenders will approve you for a loan or can provide you with up to $1,000 on your first loan.

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