Installment Loans in Florida

Laws verified 2026-10-25 against official sources · How we verify

Licensed consumer finance lenders: 36% a year on the first $10,000, lower tiers above, for loans up to $25,000. Through our network you can request offers from about $100 to $5,000; amounts, rates and terms depend on the lender and your credit.

Request a installment loan in Florida

✓ Free to use✓ About 3 minutes✓ No obligation✓ Bad credit OK to apply

1 Choose an amount and fill out the form
2 Get matched with a lender in our network
3 Review your offer and get funded, often next business day

Tip: apply on a weekday morning for the best chance of funding by the next business day.

No hard credit inquiry on our end; lenders may check your credit. Not a lender; approval, amount and terms come from the lender. Example: $1,000 over 12 months at 35.99% APR ≈ $100.46/month.

How installment loans work in Florida

An installment loan gives you the full amount up front and you repay it in equal monthly payments over a set term — often 3 to 36 months. Because repayment is spread out, each payment is smaller than a single lump-sum payday repayment, and you always know your payoff date.

Sample monthly payments

Amount	6 months	12 months	24 months
$1,000	$181.54	$97.48	$55.91
$2,000	$363.09	$194.96	$111.82
$3,000	$544.63	$292.45	$167.72
$5,000	$907.72	$487.41	$279.54

Illustration at 29.99% APR. Your rate and term come from the lender and depend on your credit, income and Florida law.

$74,568

Median household income

12.6%

Residents below poverty line (approx.)

1,178

Credit-union branches

4,373

FDIC bank branches

Census ACS 2020–2024 5-year estimates; NCUA June 2026 call report; FDIC BankFind, Oct 2026.

Florida installment loan rules at a glance

Governing law	Florida Consumer Finance Act, Chapter 516, Florida Statutes. (Fla. Stat. ss. 516.02, 516.031)
Rate cap	36% a year on the first $10,000 of principal, 30% on the part from $10,000 to $20,000, and 24% on the part from $20,000 to $25,000. (Fla. Stat. s. 516.031(1))
License required	Yes. A person may not be in the business of making consumer finance loans without first getting a license from the Office of Financial Regulation (banks, credit unions and similar institutions are exempt). Unlicensed lenders making loans of $25,000 or less are limited to 18% a year. (Fla. Stat. s. 516.02(1), (2)(a), (4))
Loan sizes covered	Loans of $25,000 or less (including lines of credit up to $25,000). (Fla. Stat. s. 516.02(2)(a), (3))
Origination / other fees	No general origination fee is listed. A licensee may charge up to $25 to cover part of the cost of checking your credit and character, plus a delinquency charge of up to $15 on a monthly payment at least 12 days late (if agreed in writing), and a bad-check charge of up to the greater of $20 or the bank's actual charge. (Fla. Stat. s. 516.031(3))

Estimate your monthly payment

Personal / installment loan calculator

Loan amount ($) APR (%) Term (months) Origination fee (%)

Monthly payment–

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Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.

Installment Loans by city in Florida

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

Also see: Payday Loans in Florida · Title Loans in Florida · All Florida loan options

Frequently asked questions

Is there a cap on installment loan interest rates in Florida?

Licensed consumer finance lenders: 36% a year on the first $10,000, lower tiers above, for loans up to $25,000.

Do installment loan lenders need a license in Florida?

Yes. A person may not be in the business of making consumer finance loans without first getting a license from the Office of Financial Regulation (banks, credit unions and similar institutions are exempt). Unlicensed lenders making loans of $25,000 or less are limited to 18% a year.

Can I get a installment loan with bad credit in Florida?

Yes, some lenders in our network work with fair or bad credit, but approval is not guaranteed and rates are higher. Licensed lenders in Florida must follow the state's consumer-lending rules shown above; tribal and bank-partner lenders may follow different rules, so compare the APR on every offer.

Where can I find a loan for bad credit in Florida?

You can apply at local banks and lenders in Florida, or go online to reach more lenders at once. Banks often have stricter credit requirements, while many online lenders consider all credit types. Our free form sends one request to multiple lenders in our network, so you don't have to apply one by one. Many applicants get a decision within minutes.

What credit score do I need for a installment loan in Florida?

There's no single minimum. Some lenders want good credit, but many lenders in our network consider fair, poor and limited credit and weigh your income and job history too. A higher score may get you better rates and larger amounts, while lower scores may still qualify for smaller loans. Find out what's available to you in Florida with our free 3-minute form.

How can I get an emergency loan in Florida?

Unexpected bills happen, and an online emergency loan can help you handle them quickly. Fill out our 3-minute form with your income and bank details, and lenders in our network will review your request. Many make decisions within minutes, and approved funds are often deposited by the next business day. Amounts range from $100 to $5,000, and you're never obligated to accept an offer.

Can I get a installment loan in Florida with bad credit?

Yes, it's possible. Many lenders in our network work with borrowers who have fair, poor or limited credit, and they look at factors like income and employment, not just your score. Approval and rates depend on your full profile, and nothing is guaranteed, but checking your options is free. Florida residents can see if they qualify for $100 to $5,000 in about 3 minutes.