Loans in Union County, FL: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Union County, FL.
The median household in Union County earns $64,146 a year, 14% below the Florida median of $74,568. About 20% of residents live below the federal poverty line, and 25.3% of households rent their home.
What you need for a payday loan in Union County
Here's what to have on hand before you start your payday loan request in Union 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 Union County
What Union County borrowers use it for
cover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Medical billspay a doctor, dentist or pharmacy bill now
Need money nowthe fastest options online
Loans for your situation
Which loans are available in Union 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 Union County
Banks with branches in Union County
1 FDIC-insured bank branches from 1 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| DLP Bank | 1 | 255 Se 6th St, Lake Butler 32054 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Union County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| First Florida | 25638 Ne State Road 16, Raiford 32083 |
Source: NCUA credit union branch data, June 30, 2026.
All Florida counties and cities
Frequently asked questions
Are payday loans legal in Union County?
Union 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 Union 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 Union County?
Options include 1 bank and 1 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 Union County?
Fill out our short online form from anywhere in Union 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 apply for a loan online in Union County?
Yes. You don't need to visit a branch or storefront anywhere in Union 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.
Can I get a loan in Union County with bad credit?
Yes, many lenders in our network work with Union 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 an emergency loan in Union County?
Yes. When an unexpected bill comes up, Union 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.
Where can I get a loan in Union County, FL?
You can apply at banks, credit unions and lenders in Union 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.