Loans in Monroe County, FL: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Monroe County, FL.
The median household in Monroe County earns $87,738 a year, 18% above the Florida median of $74,568. About 11% of residents live below the federal poverty line, and 34.2% of households rent their home.
What you need for a payday loan in Monroe County
Lenders that serve Monroe County typically ask for the following:
- 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 Monroe County
What Monroe County borrowers use it for
the fastest options online
Emergencieshandle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Monroe 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 Monroe County
Banks with branches in Monroe County
36 FDIC-insured bank branches from 9 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Horizon Bank | 9 | 99451 Overseas Hwy, Key Largo 33037 |
| First State Bank | 8 | 1201 Simonton St, Key West 33040 |
| Centennial Bank | 8 | 11290 Overseas Hwy, Marathon 33050 |
| Bank of America, National Association | 4 | 5401 Overseas Hwy, Marathon 33050 |
| Truist Bank | 2 | 1010 Kennedy Dr, Key West 33040 |
| Wells Fargo Bank, National Association | 2 | 100000 Overseas Hwy, Key Largo 33037 |
| SouthState Bank, National Association | 1 | 91390 Overseas Hwy, Tavernier 33070 |
| Gulf Atlantic Bank | 1 | 2222 N Roosevelt Blvd, Key West 33040 |
| The Northern Trust Company | 1 | 31 Ocean Reef Dr, Key Largo 33037 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Monroe County
8 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Keys | 514 Southard St, Key West 33040 |
| Monroe County Teachers | 1442 Kennedy Dr, Key West 33040 |
| Southernmost | 1004 Kennedy Dr, Key West 33040 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Monroe County
All Florida counties and cities
Frequently asked questions
Are payday loans legal in Monroe County?
Monroe 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 Monroe 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 Monroe County?
Options include 36 bank and 8 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 Monroe County?
Fill out our short online form from anywhere in Monroe 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 Monroe County with bad credit?
Yes, many lenders in our network work with Monroe 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 get a loan in Monroe 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. Monroe County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Monroe County, FL?
You can apply at banks, credit unions and lenders in Monroe 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 apply for a loan online in Monroe County?
Yes. You don't need to visit a branch or storefront anywhere in Monroe 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.