Personal loans in Florida

Consumer lending in Florida is regulated by the Florida Office of Financial Regulation. Below are the sourced rules that affect what a lender can charge you, followed by the cities we cover.

Lending rules in Florida

Payday lending	Permitted and regulated — maximum loan amount: The face amount of a check taken for deferred presentment transactions not repayable in installments may not exceed $500, exclusive of the fees allowed under this part. For a deferred presentment installment transaction, neither the face amount of a check nor the outstanding transaction balance may exceed $1,000, exclusive of the fees allowed under this part; maximum loan term: A deferred presentment agreement may not be for a term longer than 31 days or fewer than seven days, except for a deferred presentment installment transaction, which may not be for a term longer than 90 days or fewer than 60 days. Finance charges: (a) A deferred presentment provider or its affiliate may not charge fees that exceed 10% of the currency or payment instrument provided for a deferred presentment transaction not repayable in installments. A deferred presentment provider or its affiliate may not charge fees on any deferred presentment installment transaction which exceed 8% of the outstanding transaction balance on a biweekly basis. (b) Notwithstanding paragraph (a), a verification fee may be charged as provided in §560.309(8). The fees in paragraph (a) may not be applied to the verification fee. (c) Fees are earned at the time of origination for a deferred presentment transaction scheduled to be paid off in 31 days or less; however, fees for a deferred presentment installment transaction are earned using a simple interest calculation. A deferred presentment provider may charge only those fees specifically authorized in this section. Prepayment penalties are prohibitedSource: National Conference of State Legislatures · as of 2023
Small-loan / installment licensing	Consumer lenders must obtain a state license (Yes; if interest rate is greater than 18% per year). Statutory basis: Fla. Stat. §§ 516.001 et seq. Licensing administered through NMLS: No.Source: Conference of State Bank Supervisors · as of 2026
Interest rate cap (usury limit)	Usury limit: 18% for obligations up to $500,000; Civil usury for loans between 25% - 45%; (Fla. Stat. § 687.02); Criminal usury for loans exceeding 45% (Fla. Stat. § 687.01). Finance rates and fees for licensed lenders: 30% per annum on the portion not exceeding $3,000 24% per annum on the portion between $3,000-$4,000 18% per annum on the remainder exceeding $4,000. CSBS 50-state survey of consumer finance laws; state-verified usury catalog.Source: Conference of State Bank Supervisors · as of 2026
Consumer lending regulator	Consumer lenders in Florida are licensed and supervised by the Florida Office of Financial Regulation.Source: Conference of State Bank Supervisors · as of 2026
Debt collection rules	Third-party debt collectors must comply with the federal Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692 et seq.; state consumer-protection and debt-collection enforcement is handled by the Florida Office of the Attorney General. The FDCPA expressly authorizes state attorneys general to enforce it (15 U.S.C. § 1692l). Some states also require collection agencies to be licensed.Source: Florida Office of the Attorney General · as of 2026
Military lending protections	The federal Military Lending Act (MLA) caps the Military Annual Percentage Rate (MAPR) at 36% for consumer credit extended to active-duty service members, their spouses and certain dependents, and bars mandatory arbitration and prepayment penalties on covered loans. Federal protection that applies nationwide, including in this state.Source: Consumer Financial Protection Bureau · as of 2024
Complaint / licensing lookup	Check whether a lender holds a state license through NMLS Consumer Access (nmlsconsumeraccess.org) or the Florida Office of Financial Regulation; consumers can file complaints with the Florida Office of Financial Regulation or the CFPB at consumerfinance.gov/complaint.Source: Nationwide Multistate Licensing System (NMLS) Consumer Access · as of 2026

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Cities in Florida

Miami Tampa Orlando Jacksonville Sarasota Cape Coral Palm Bay Port St. Lucie Palm Coast Kissimmee Pensacola Bonita Springs Lakeland St. Petersburg Tallahassee Winter Haven Hialeah Navarre North Port Gainesville Deltona Fort Lauderdale Spring Hill Vero Beach South Ocala Pembroke Pines Leesburg Hollywood Panama City Miramar Coral Springs Lehigh Acres The Villages Clearwater West Palm Beach Brandon Miami Gardens Pompano Beach Davie Riverview Sunrise Boca Raton Plantation Alafaya Town 'n' Country Homosassa Springs Deerfield Beach Fort Myers Pine Hills Melbourne Miami Beach Largo Zephyrhills Boynton Beach Homestead St. Augustine Kendall Lauderhill Doral Tamarac Daytona Beach Poinciana Weston Delray Beach Wesley Chapel Sebring Port Charlotte Port Orange The Hammocks Wellington Palm Harbor Jupiter North Miami Sanford Palm Beach Gardens Margate Fountainebleau St. Cloud Coconut Creek Bradenton Tamiami Westchester Apopka Horizon West Kendale Lakes Pinellas Park Country Club Coral Gables University Titusville Ocoee Fort Pierce Winter Garden Altamonte Springs Cutler Bay North Lauderdale Oakland Park Greenacres North Miami Beach Ormond Beach Clermont North Fort Myers Hallandale Beach The Acreage Meadow Woods Aventura Valrico Oviedo Plant City Royal Palm Beach Land O' Lakes Winter Springs Richmond West Riviera Beach Kendall West DeLand Princeton South Miami Heights Estero Egypt Lake-Leto Dunedin Buenaventura Lakes Lauderdale Lakes Carrollwood Fruit Cove Merritt Island Golden Glades Cooper City Parkland West Little River East Lake Dania Beach Lake Magdalene Lakeside Miami Lakes Ferry Pass East Lake-Orient Park New Smyrna Beach Winter Park Fleming Island Lakewood Ranch Golden Gate Oakleaf Plantation Casselberry Immokalee Rockledge Citrus Park Crestview Sun City Center Key West Leisure City Palm Springs Temple Terrace Ruskin Haines City Oak Ridge Coral Terrace West Melbourne Ives Estates Palm River-Clair Mel Palm City Keystone Silver Springs Shores Bayonet Point Tarpon Springs Bloomingdale South Bradenton Northdale Venice Sebastian Wright Apollo Beach Port St. John Fish Hawk Palmetto Bay Westchase Wekiwa Springs Lutz Pace Jacksonville Beach Jasmine Estates Edgewater Hialeah Gardens Bellview Eustis The Crossings Sunny Isles Beach Florida Ridge DeBary Ensley West Pensacola Brent Holiday Liberty Triangle Lealman Fort Walton Beach Marion Oaks Palm Valley World Golf Village Bayshore Gardens Englewood Midway Nocatee Hunters Creek Sweetwater Lynn Haven Punta Gorda Seminole Naples Maitland Cocoa Bartow Bradfordville Country Walk San Carlos Park Pinecrest Tavares Gibsonton Trinity Upper Grand Lagoon Groveland Panama City Beach Brownsville Lake Butler Stuart Glenvar Heights Pinewood Safety Harbor Myrtle Grove Belle Glade Palmetto Estates Ojus Lake Mary South Venice New Port Richey Opa-locka Vero Beach Lake Wales Warrington Marco Island Mount Dora Auburndale Lady Lake Southchase Azalea Park Niceville Three Lakes Longwood West Park Oldsmar Wildwood Fruitville East Milton Key Biscayne Palmer Ranch Sunset Lockhart Gonzalez Viera West Bellair-Meadowbrook Terrace Thonotosassa Yulee Gladeview Forest City Hobe Sound Miami Springs West Lealman Villas Destin Minneola Olympia Heights Callaway Conway Lakewood Park Jupiter Farms Atlantic Beach Elfers Palmetto Iona Jensen Beach North Palm Beach South Daytona Naranja Florida City Cheval Holly Hill Orange City Fernandina Beach Goldenrod Doctor Phillips Sarasota Springs Shady Hills Cypress Lake Lake City Middleburg Viera East South Miami Gulfport On Top of the World Designated Place Pasadena Hills Fairview Shores Asbury Lake Mango Miami Shores Wilton Manors Lantana Medulla Port Salerno Lakeland Highlands Cocoa Beach Celebration Laurel Hudson Pine Castle Wimauma New Port Richey East Fuller Heights Satellite Beach Memphis Westview Highland City Goulds Key Largo Gateway Westwood Lakes Sugarmill Woods Pebble Creek Lighthouse Point Alachua Bithlo Palatka Union Park Richmond Heights Beverly Hills Cypress Gardens Citrus Springs West Vero Corridor Progress Village West Perrine Pine Ridge Milton Cape Canaveral Bee Ridge Rotonda St. Augustine Shores Avon Park Bardmoor Marathon Hernando Green Cove Springs Palm Beach Miramar Beach Davenport Westgate Lake Park St. Pete Beach Indian Harbour Beach Brooksville Orange Park Micco Broadview Park Seffner North Merritt Island Springfield Citrus Hills Fern Park North Bay Village Quincy McGregor Wedgefield Fruitland Park Mims South Apopka Odessa Southeast Arcadia Southwest Ranches Inverness Highlands South Arcadia Williamsburg Clewiston Longboat Key Sky Lake Inverness Lecanto Lake Lorraine Inwood Newberry North Weeki Wachee Macclenny Vero Lake Estates Orlovista Dade City Beacon Square West Miami Jan Phyl Village Lely Resort South Patrick Shores Islamorada, Village of Islands Fort Pierce North Heathrow

Personal loans in Florida

Lending rules in Florida

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Cities in Florida

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