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Payday loan laws in Florida

  • Status: Legal (Fl. Stat. Ann. §§ 560.402 et seq.; Rules 69V-560.707, 69V-560.901-912)
For Lenders

Lending specifications:

  • Maximum loan amount: $500
  • Loan tenure: 7-31 days
  • Fees and finance charges: 10% of check + verification fee (max $5)
  • Finance charge on a 14-day $100 loan: $16.11
  • APR on 14-day $100 loan: 419%

Collection restrictions:

  • Collection fees: The charges imposed on the lender by any financial institution; lender not entitled to assume any damages.
  • Criminal procedures: Prohibited
For Borrowers

Debt limits:

  • Maximum no. of outstanding loans at a time: Single
  • Rollovers allowed: None
  • Cooling-off phase: 24 hours
  • Repayment plan: Available

Complaint cell:



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