Best Payday Loans in Orlando, FL

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Need emergency cash and can’t wait until your next paycheck? One solution is a payday loan. A lender provides you a short-term loan in exchange for a check for the principal plus fees, then deposits the check on your next payday. We researched the best payday loans in Orlando to get same-day funds.

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Top 11 Orlando Payday Loan Companies

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Orlando residents who rent, earn below $40,000 per year or are separated or divorced are most likely to take out payday loans. Borrowers use these quick loans in Florida to pay for regular expenses (e.g., groceries, rent, utilities, gas) and unexpected costs (e.g., health care emergency, auto or home repair, unplanned travel).

There are pros and cons to payday loans in Orlando. Consider alternatives first before applying. If you do choose to move forward, make sure you’ve read our sections below on Orlando's payday loan laws and how to qualify.

Payday loan laws in Orlando

Florida payday lenders are regulated by the Florida Office of Financial Regulation’s Division of Consumer Finance. Payday lenders, also called deferred presentment providers in Florida, must have a license. You can verify a license on the Florida Office of Financial Regulation website.

Here’s what you should know about payday loans in Orlando.

  • You can borrow up to $500 in any one loan.
  • The loan term must be between seven and 31 days.
  • The most you can be charged is 10% of the amount borrowed plus a $5 verification fee.
  • You can only take out one payday loan at a time.
  • You must repay a payday loan in full and wait 24 hours before getting a new payday loan.

The table below illustrates the maximum fees and annual percentage rate (APR) on a 14-day Orlando payday advance of various amounts.

Loan amountMaximum feesAPR

If you take out a payday loan in Orlando and are unable to repay it at the end of the loan term, the lender must give you a 60-day grace period with no additional charges as long as you complete consumer credit counseling.

What do I need to apply for a payday loan in Orlando?

Depending on the payday lender, you can apply for an Orlando payday advance online, over the phone or in person at a store. Requirements may vary slightly from lender to lender. Have these items ready:

  • Valid, government-issued ID
  • Social Security card
  • Proof of income (e.g., pay stub, letter from employer)
  • Most recent bank statement from an active checking account
  • Blank personal check

You don’t need good credit to qualify for a payday loan in Orlando, so don’t worry if you have a poor credit score. Payday lenders require you to have a minimum income (from a job or benefits). If you work, you may have to demonstrate you’ve been with your current employer for at least several months.

Payday loan applications take only a few minutes to fill out, and you find out right away if you’re approved. Read over the written agreement carefully before you sign for the loan. If you get an in-store payday loan, you walk out with cash in hand. If you get an online payday loan in Florida, it may take up to two business days for the funds to be electronically deposited in your bank account.

Orlando payday loan FAQ

What credit score is needed for a payday loan in Orlando?
There is no minimum credit score required for a payday loan in Orlando. You can qualify with bad credit as long as you have a steady, verifiable source of income and meet other basic requirements. Most payday lenders offer payday loans with no credit check at all.
Should I get a payday loan or an installment loan in Orlando?
An installment loan, unlike a payday loan, may require a credit check, so it can be harder to qualify if you have bad credit. If you have good enough credit, an installment loan may give you the opportunity to pay a lower interest rate and have more time to pay back the loan. Some Florida payday lenders offer installment payday loans, or deferred presentment installment transactions, with terms of 60 to 90 days and loan amounts up to $1,000.
Is it hard to get a payday loan in Florida?
No, it’s not hard to get a payday loan in Florida as long as you have a steady, verifiable income and meet several other basic requirements. You can get approved even if you have bad credit and don’t qualify for other types of loans.

Not sure how to choose?

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    Orlando payday loan company information

    Rapid Cash

    Rapid Cash offers same-day payday loans from $100 to $500 with no credit checks. Customers get their first loans interest-free. Complete an application online or at any of the company’s Orlando-area locations. You need your Florida driver’s license or ID card, Social Security card, blank personal check, most recent pay stubs and a current bank statement.

    • Address: 11804 E. Colonial Drive, Ste. 101, Orlando, FL 32826; Multiple locations
    • Phone: (407) 277-9915
    • Hours: Call for hours
    • Website:
    InstaLoan Orlando

    At InstaLoan, you can get a signature loan — a payday loan alternative — of up to $250 in as little as 30 minutes. For approval, you need a government-issued ID, checking account, proof of residence and pay stub or bank statement. Signature loans from InstaLoan come with longer terms, lower rates and no credit checks. Start your application online or go to any Orlando-area store.

    • Address: 900 Lee Road, Orlando, FL 32810; Multiple locations
    • Phone: (407) 262-0091
    • Hours: M, F: 9am - 8pm; T - Th: 9am - 7pm; Sat: 10am - 4pm
    • Website:
    Check On Hold

    A payday loan from Check On Hold gives you up to $500 in just minutes. Requirements include photo ID, proof of income and current bank statements. Download and fill out an application, then bring it to the Check On Hold store or complete the entire process there. Check the company’s website for a chart with fees and APRs on a 14-day payday loan.

    • Address: 745 Orienta Ave., Ste. 1021, Altamonte Springs, FL 32701
    • Phone: (866) 311-3096
    • Hours: M - Sat: 9am - 6pm
    • Website:
    Fast Payday Loans Inc. Orlando

    Fast Payday Loans Inc. provides borrowers with up to $500 in payday loan cash in as little as 30 minutes at its location in Cocoa. Start by filling out an online request form, and a representative calls you to go over the payday loan process. Fast Payday Loans Inc. requires a driver’s license or state-issued ID, your most recent pay stub and a blank check from an active checking account in your name. Applicants with bad credit are welcome.

    • Address: 484 W. King St., Cocoa, FL 32922
    • Phone: (321) 632-6100
    • Hours: M - Sat: 9am - 6pm
    • Website:
    Almost a Bank

    Almost a Bank provides payday loans to Orlando residents. Customers can download an application and begin the process at home. Almost a Bank requires applicants to provide their Social Security number, a state-issued ID, proof of income and an active routing and account number. Payday loans through Almost a Bank are not available to military members in Orlando.

    • Address: 745 Orienta Ave., Altamonte Springs, FL 32701
    • Phone: (386) 487-4985
    • Hours: Call for hours
    • Website:

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