Loans in Clay County, FL: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Clay County, FL.
The median household in Clay County earns $87,820 a year, 18% above the Florida median of $74,568. About 9% of residents live below the federal poverty line, and 24.1% of households rent their home.
What you need for a payday loan in Clay County
Here's what to have on hand before you start your payday loan request in Clay County:
- Be 18 or older (19 in some states) and a US resident
- A government-issued photo ID
- A steady source of income — a job, benefits or self-employment
- An active checking account in your name for the deposit
- A working phone number and email address
Popular loan amounts in Clay County
What Clay County borrowers use it for
gifts and travel without maxing a card
Emergencieshandle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Need money nowthe fastest options online
Loans for your situation
Which loans are available in Clay County
Payday Loans Legal
Payday loans (called deferred presentment transactions) are legal in Florida from lenders licensed by the Office of Financial Regulation, under Part IV of Chapter 560, Florida…
Personal Loans
Licensed consumer finance lenders: 36% a year on the first $10,000, lower tiers above, for loans up to $25,000.
Title Loans Legal
Car title loans are legal in Florida from lenders licensed under the Florida Title Loan Act (Chapter 537), with interest capped at 18%-30% a year depending on loan size.
Banks and credit unions in Clay County
Banks with branches in Clay County
22 FDIC-insured bank branches from 11 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Wells Fargo Bank, National Association | 4 | 425 N Orange Ave, Green Cove Springs 32043 |
| PNC Bank, National Association | 4 | 200 S Lawrence Blvd, Keystone Heights 32656 |
| Ameris Bank | 4 | 100 Ne Commercial Cir, Keystone Heights 32656 |
| Bank of America, National Association | 2 | 29 Blanding Blvd, Orange Park 32073 |
| JPMorgan Chase Bank, National Association | 2 | 2293 Kingsley Ave, Orange Park 32073 |
| Truist Bank | 1 | 296 Blanding Blvd, Orange Park 32073 |
| Fifth Third Bank, National Association | 1 | 5000 Us Highway 17, Orange Park 32003 |
| Capital City Bank | 1 | 500 Green Way, Keystone Heights 32656 |
| Regions Bank | 1 | 570 Blanding Blvd, Orange Park 32073 |
| SouthState Bank, National Association | 1 | 1440 Kingsley Ave, Orange Park 32073 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Clay County
17 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| Coastline | 1505 County Road 220, Orange Park 32003 |
| Navy Federal Credit Union | 1826 Town Center Blvd, Fleming Island 32003 |
| Vystar | 1755 Eagle Harbor Pkwy, Orange Park 32003 |
| Community First Credit Union Of Flo | 2004 Eastwest Pkwy, Fleming Island 32003 |
| First Florida | 1461 Kingsley Ave, Orange Park 32073 |
| Radifi | 950 Blanding Blvd, Orange Park 32065 |
| Calhoun Liberty | 7022 Cooperative Way, Keystone Heights 32656 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Clay County
All Florida counties and cities
Frequently asked questions
Are payday loans legal in Clay County?
Clay County follows Florida law. Payday loans (called deferred presentment transactions) are legal in Florida from lenders licensed by the Office of Financial Regulation, under Part IV of Chapter 560, Florida Statutes.
Are title loans legal in Clay County?
Car title loans are legal in Florida from lenders licensed under the Florida Title Loan Act (Chapter 537), with interest capped at 18%-30% a year depending on loan size.
Where can I get a small loan in Clay County?
Options include 22 bank and 17 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Clay County?
Fill out our short online form from anywhere in Clay County. We share it with lenders in our network that serve Florida; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Can I get a loan in Clay County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Clay County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Clay County with bad credit?
Yes, many lenders in our network work with Clay County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.
Can I apply for a loan online in Clay County?
Yes. You don't need to visit a branch or storefront anywhere in Clay County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve Florida. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.
Where can I get a loan in Clay County, FL?
You can apply at banks, credit unions and lenders in Clay County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve Florida residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.