Loans in Miami-Dade County, FL: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Miami-Dade County, FL.
The median household in Miami-Dade County earns $71,753 a year, about the same as the Florida median of $74,568. About 15% of residents live below the federal poverty line, and 47.8% of households rent their home.
What you need for a payday loan in Miami-Dade County
Here's what to have on hand before you start your payday loan request in Miami-Dade 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 Miami-Dade County
What Miami-Dade County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Holiday expensesgifts and travel without maxing a card
Need money nowthe fastest options online
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Miami-Dade 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 Miami-Dade County
Banks with branches in Miami-Dade County
589 FDIC-insured bank branches from 60 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| JPMorgan Chase Bank, National Association | 77 | 2740 Coral Way, Coral Gables 33145 |
| Bank of America, National Association | 66 | 175 Hialeah Dr, Hialeah 33010 |
| Wells Fargo Bank, National Association | 62 | 300 S Biscayne Blvd, Miami 33131 |
| Truist Bank | 40 | 777 Brickell Ave, Miami 33131 |
| Regions Bank | 37 | 16051 W Dixie Hwy, North Miami Beach 33160 |
| Citibank, National Association | 30 | 1190 S Dixie Hwy, Coral Gables 33146 |
| TD Bank, National Association | 30 | 720 Nw 57th Ave, Miami 33126 |
| Ocean Bank | 21 | 780 Nw 42nd Ave, Miami 33126 |
| City National Bank of Florida | 19 | 300 71st St, Miami Beach 33141 |
| PNC Bank, National Association | 19 | 2711 Ne 187th St, Aventura 33180 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Miami-Dade County
82 credit-union locations from 25 credit unions.
| Credit union | Location |
|---|---|
| American Airlines | 6205 Waterford District Dr, Miami 33126 |
| Jetstream | 7900 Oak Ln Ste 300, Miami Lakes 33016 |
| Baptist Health South Florida | 13200 Sw 128Th St, Miami 33186 |
| Compass Financial | 9960 Nw 116Th Way Ste 5, Medley 33178 |
| Miami | 51 Sw 1St Ave Ste 604, Miami 33130 |
| Hialeah Municipal Employees | 501 Palm Ave, Hialeah 33010 |
| Navy Federal Credit Union | 14583 Biscayne Blvd, North Miami 33181 |
| Space Coast | 19455 S Dixie Hwy, Cutler Bay 33157 |
| Educational | 7800 Sw 117Th Ave, Miami 33183 |
| Dade County | 1500 Nw 107Th Ave, Sweetwater 33172 |
| Self-Help | 101 Curtiss Pkwy, Miami Springs 33166 |
| Justice | 400 Nw 2Nd Ave Ste 309, Miami 33128 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Miami-Dade County
All Florida counties and cities
Frequently asked questions
Are payday loans legal in Miami-Dade County?
Miami-Dade 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 Miami-Dade 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 Miami-Dade County?
Options include 589 bank and 82 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 Miami-Dade County?
Fill out our short online form from anywhere in Miami-Dade 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 Miami-Dade County with bad credit?
Yes, many lenders in our network work with Miami-Dade 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 Miami-Dade County?
Yes. You don't need to visit a branch or storefront anywhere in Miami-Dade 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 Miami-Dade County, FL?
You can apply at banks, credit unions and lenders in Miami-Dade 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.
Can I get an emergency loan in Miami-Dade County?
Yes. When an unexpected bill comes up, Miami-Dade County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.