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Payday Loans in Orlando, FL: Stores, Costs and Rules
Updated November 2026 · By Payday Loans Reviews Editorial Team · Not a lender
Payday loans are available in Orlando through licensed lenders under Florida's Deferred Presentment Act. The city has 24 storefront locations, including chains like ACE Cash Express and Advance America, where you can borrow up to $500 for 7 to 31 days.
That $500 maximum is worth comparing to local costs. Median rent in Orlando runs $1,674 per month, while median household income is $75,099. A single payday loan cannot cover a full month's rent, and the fees add up quickly. For a $500 loan taken for 14 days, you'll pay $55 in fees and repay $555 total. The typical APR for these loans in Florida runs about 304%.
Orange County · Orlando-Kissimmee-Sanford, FL metro area
Orlando borrowers and Florida payday laws
- Max loan amount
- $500
- Min loan term
- 7 days
- Max loan term
- 31 days
- Finance charge cap
- 10% of check + $5 fee
- Max absolute fee
- $55
- Typical APR
- ~304%
- Rollovers (extensions)
- Prohibited
- Simultaneous loans
- 1 active loan
- Right to rescind
- Next business day
- Governing law
- Florida Deferred Presentment Act
- Regulator
- FL Office of Financial Reg.
Payday loan cost calculator for Orlando
Move the sliders to see what a payday loan would cost under Florida rules and how it compares with local incomes.
Florida maximum: $500
Florida maximum: $11
Rollovers are not allowed in Florida.
- Fee
- $55
- Total to repay
- $555
- APR
- 287%
- Share of a two-week household paycheck in Orlando
- 1.9%
Estimate only. APR = fee ÷ amount × 365 ÷ term. Lenders may charge less than the state maximum; actual terms vary.
Payday loan stores in Orlando, FL
Licensed storefront lenders in Orlando with addresses, phone numbers and hours. We do not rank or recommend any lender; confirm each company's license with the FL Office of Financial Reg. before you borrow.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1523 S Crystal Lake Dr Orlando, FL 32806 | (407) 893-6484 | — | 5.0 |
| 11241 E Colonial Dr Ste 205 Orlando, FL 32817 | (407) 737-6043 | — | 4.9 |
| 4560 S Kirkman Rd Orlando, FL 32811 | (407) 523-9494 | — | 4.9 |
| 4712 S Orange Blossom Trl Orlando, FL 32839 | (407) 857-0222 | — | 4.9 |
| 5030 W Colonial Dr Orlando, FL 32808 | (407) 578-5926 | — | 4.9 |
| 5171 S John Young Pkwy Orlando, FL 32839 | (407) 851-1500 | — | 4.9 |
| 6950 Silver Star Rd Orlando, FL 32818 | (407) 822-4240 | — | 4.9 |
| 4490 S Semoran Blvd Orlando, FL 32822 | (407) 737-0866 | — | 4.8 |
| 6325 N Orange Blossom Trl Ste 111 Orlando, FL 32810 | (407) 292-7294 | — | 4.8 |
| 12981 S. Orange Blossom Trail, Sedano's Supermarket Orlando, FL 32837 | (407) 255-2720 | Mon–Thu 10:00 AM – 6:00 PM Fri–Sat 10:00 AM – 7:00 PM Sun closed |
— |
| 13851 S. John Young Pkwy, Unit 104 Orlando, FL 32837 | (407) 859-0277 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 4473 South Semoran Blvd. Orlando, FL 32822 | (407) 207-2630 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 5600 W. Colonial Drive, #315 Orlando, FL 32808 | (407) 291-6467 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 7661 South Orange Blossom Trail Orlando, FL 32809 | (407) 251-4240 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 4:00 PM Sun closed |
— |
| 4099 W Town Center Blvd Orlando, FL 32837 | (407) 352-9098 | — | 4.3 |
| 121 S Orlando Ave Ste 1500 Off# 1501 Orlando, FL 32801 | (321) 347-3550 | — | 4.8 |
| 218 S Semoran Blvd Orlando, FL 32807 | (407) 482-1066 | — | 4.6 |
| 2069 Town Center Blvd Orlando, FL 32837 | (407) 857-9535 | — | 4.3 |
| 7315 W Colonial Dr Orlando, FL 32818 | (407) 299-0950 | — | 4.2 |
| 12321 E Colonial Dr Ste 160 Orlando, FL 32826 | (407) 587-0045 | — | 3.7 |
| 4972 E Colonial Dr Orlando, FL 32803 | (407) 894-5771 | — | 3.4 |
| 7083 Grand National Dr Ste 103 Orlando, FL 32819 | (407) 490-0179 | — | 2.3 |
| 4020 S Semoran Blvd Orlando, FL 32822 | (321) 684-4915 | — | 4.9 |
| 7611 S Orange Blossom Trl Orlando, FL 32809 | (407) 901-5019 | — | 4.9 |
Orlando at a glance
| Metric | Orlando | Florida | United States |
|---|---|---|---|
| Population | 1.1M | 21.9M | 332.3M |
| Median household income | $75,099 | $75,446 | $85,275 |
| Median rent | $1,674/mo | $1,604/mo | $1,432/mo |
| Income spent on rent | 35.6% | 35.8% | 31.6% |
| Homeownership | 54.0% | 67.2% | 65.4% |
| Poverty rate | 14.1% | 12.7% | 12.6% |
| Unemployment rate | 5.9% | 4.8% | 5.3% |
| Without health insurance | 13.0% | 11.9% | 8.6% |
| Veterans | 5.3% | 7.7% | 6.5% |
Source: U.S. Census Bureau, American Community Survey, by ZIP code. City and state figures are population-weighted averages of ZIP code data and are approximate.
What a payday loan costs in Orlando
- Fee on a $500 loan
- $55
- Share of a two-week household paycheck
- 1.9%
- Hours of work at the local median wage
- 3.1 hours
- Rollovers
- Not allowed in Florida
Example based on the Florida maximum fee for the maximum loan and local median incomes: two-week paycheck = household income ÷ 26, hourly wage = individual income ÷ 2,080. Actual terms vary by lender.
Payday loans in Orlando: how to apply
Life throws curveballs. When you need quick cash in Orlando, our service pairs you with lenders who hold valid state licenses.
You can fill out the form from your couch, hear back quickly, and—if a lender approves—see the money in your bank account as soon as the next business day.
Why Orlando residents use us
- Fast 5-minute request A digital application you complete without stepping into a storefront.
- Bad credit considered Approval hinges on reliable earnings, not only on past credit records.
- Borrow up to $500 Every agreement must meet the standards outlined in the Florida Deferred Presentment Act.
- Safe & confidential Your sensitive records travel over an encrypted, safeguarded connection.
Notice for Orlando residents: Short-term payday credit is meant for sudden financial gaps, not ongoing budget problems. Maximum loan sizes, charges and interest rates must follow Florida rules under the Florida Deferred Presentment Act. Take time to read every part of your loan agreement before you sign.
Read more about borrowing in Orlando
Who runs payday stores in Orlando
| Company | Stores | Share of stores | Average Google rating |
|---|---|---|---|
| ACE Cash Express | 9 | 38% | 4.9 |
| Advance America | 5 | 21% | — |
| OneMain Financial | 5 | 21% | 3.6 |
| Oportun | 2 | 8% | 4.9 |
| Lendmark Financial Services | 1 | 4% | 4.3 |
| loanDepot | 1 | 4% | 4.8 |
| Mariner Finance | 1 | 4% | 4.6 |
Store counts and ratings from our directory. We do not rank or recommend lenders.
Orlando in context
- Population rank in Florida
- 2nd
- of 93 Florida cities with 50,000+ residents
- Median household income rank
- 43rd
- of 93 Florida cities with 50,000+ residents
- Households earning under $25,000
- 14.7%
- ▼ 0.7 pts vs FL
- Median home value
- $331,357
- ▼ 3% vs FL
- Home value to income
- 4.4×
- A $400 emergency expense
- 1.9 days
- of median household income
What a payday loan means for a Orlando budget
Orlando in Orange County is home to about 1,072,954 residents, one of the five largest cities in Florida. A typical household in Orlando earns about $75,099, within 0% of the Florida figure ($75,446) (below the U.S. figure).
Orlando renters pay a median of $1,674 a month, 4% above Florida overall ($1,604). At 35.6% of income going to rent, many renters have little room for a surprise bill. 14.1% of residents live below the poverty line, above the Florida rate of 12.7%. Roughly 14.7% of households earn under $25,000 a year. About 5.9% of the labor force is unemployed, versus 4.8% in Florida. The uninsured rate (13.0%) is above the Florida level, which raises the odds of surprise medical costs. About 54.0% of homes are owner-occupied, so 46.0% of households rent.
For a median Orlando household, the $55 fee on a $500 payday loan equals 1.9% of one paycheck, or about 3 hours of work at the local median wage. Among nearby cities, Deland has the lowest median rent at $1,181. Valrico, close by, reports a median household income of $100,853. Our directories list 24 licensed loan storefronts, 5 credit unions, 170 bank branches and 49 pawn shops in Orlando.
A typical home here is valued at about $331,357 (3% below the Florida median). That is about 4.4 times the median household income. Per person, median income is about $36,473. Orlando is part of the Orlando-Kissimmee-Sanford, FL metro area.
Orlando and nearby cities
| City | Population | Median household income | Median rent | Poverty rate |
|---|---|---|---|---|
| Orlando | 1,072,954 | $75,099 | $1,674 | 14.1% |
| Kissimmee | 332,346 | $64,631 | $1,667 | 13.9% |
| Deltona | 100,126 | $73,508 | $1,569 | 9.8% |
| Deland | 78,248 | $70,420 | $1,181 | 13.0% |
| Lakeland | 269,002 | $70,171 | $1,353 | 12.8% |
Source: U.S. Census Bureau American Community Survey estimates.
Orlando payday loan cost table
| Amount | Fee (14 days) | APR | Repay once | Repay after 2 renewals |
|---|---|---|---|---|
| $100 | $15 | 391% | $115 | $145 |
| $200 | $25 | 326% | $225 | $275 |
| $300 | $35 | 304% | $335 | $405 |
| $400 | $45 | 293% | $445 | $535 |
| $500 | $55 | 287% | $555 | $665 |
Fee of $11 per $100 per term from state rules in our database; renewals only where the state allows them.
FAQ for Orlando borrowers
How much do households earn in Orlando?
Census estimates show a median household income of $75,099 and a median rent of $1,674 a month in Orlando.
How many lenders are there in Orlando?
Our directories list 24 licensed loan storefronts and 5 credit unions in Orlando, Florida. Credit unions usually charge far less than storefront lenders for small loans.
How much of their income do Orlando renters spend on housing?
Renters in Orlando spend about 35.6% of their income on housing, against a 30% affordability benchmark, and 14.1% of residents live below the poverty line (statewide: 12.7%).
Will I need to travel to a storefront lender in Orlando to get started?
No physical visit is needed. You can apply securely over the web instead of waiting at a neighborhood branch. Approved funds are deposited directly into your checking account via ACH transfer.
Can residents of Orlando with less-than-perfect credit still qualify for a loan?
You could be eligible. The network emphasizes your current ability to repay through steady income and an active account, not solely past credit marks. No lender promises approval.