Loans in Pinellas County, FL: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Pinellas County, FL.
The median household in Pinellas County earns $72,646 a year, about the same as the Florida median of $74,568. About 12% of residents live below the federal poverty line, and 30.5% of households rent their home.
What you need for a payday loan in Pinellas County
Lenders that serve Pinellas 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 Pinellas County
What Pinellas County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Need money nowthe fastest options online
Emergencieshandle the unexpected the same week
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Pinellas 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 Pinellas County
Banks with branches in Pinellas County
241 FDIC-insured bank branches from 33 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Truist Bank | 28 | 825 Broadway, Dunedin 34698 |
| Regions Bank | 27 | 715 S Fort Harrison Ave, Clearwater 33756 |
| JPMorgan Chase Bank, National Association | 26 | 2471 State Road 580, Clearwater 33761 |
| Wells Fargo Bank, National Association | 25 | 2494 Bayshore Blvd, Dunedin 34698 |
| Bank of America, National Association | 21 | 5100 Park Blvd N, Pinellas Park 33781 |
| Fifth Third Bank, National Association | 20 | 1027 Nebraska Ave, Palm Harbor 34683 |
| Bank OZK | 9 | 9001 Belcher Rd N, Pinellas Park 33782 |
| PNC Bank, National Association | 8 | 3976 Park Blvd N, Pinellas Park 33781 |
| Pinnacle Bank | 7 | 32845 Us Highway 19 N, Palm Harbor 34684 |
| TD Bank, National Association | 7 | 1275 Pinellas Bay, Tierra Verde 33715 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Pinellas County
49 credit-union locations from 18 credit unions.
| Credit union | Location |
|---|---|
| Grow Financial | 7301 Dr Martin Luther King Jr St N, Saint Petersburg 33702 |
| Gte | 29492 Us Highway 19 N, Clearwater 33761 |
| Ficare | 300 Jeffords St, Clearwater 33756 |
| Navy Federal Credit Union | 2172 Tyrone Blvd N, St Petersburg 33710 |
| Suncoast | 1875 N Belcher Rd Ste 100, Clearwater 33765 |
| Lake Michigan | 2180 4Th St N, Saint Petersburg 33704 |
| Midflorida | 4300 Park Blvd N, Pinellas Park 33781 |
| Dfcu Financial | 300 1St Ave S, St Petersburg 33701 |
| Achieva Credit Union | 3629 11Th Ave N, Saint Petersburg 33713 |
| Usf Federal Credit Union | 200 6Th Ave S, Saint Petersburg 33701 |
| Floridacentral | 400 16Th St N, Saint Petersburg 33705 |
| Pinellas | 30645 Us Highway 19 N Unit 11, Palm Harbor 34684 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Pinellas County
All Florida counties and cities
Frequently asked questions
Are payday loans legal in Pinellas County?
Pinellas 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 Pinellas 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 Pinellas County?
Options include 241 bank and 49 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 Pinellas County?
Fill out our short online form from anywhere in Pinellas 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 Pinellas County with bad credit?
Yes, many lenders in our network work with Pinellas 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 Pinellas 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. Pinellas County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Pinellas County?
Yes. You don't need to visit a branch or storefront anywhere in Pinellas 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 Pinellas County, FL?
You can apply at banks, credit unions and lenders in Pinellas 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.