Loans in Wakulla County, FL: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Wakulla County, FL.
The median household in Wakulla County earns $81,895 a year, 10% above the Florida median of $74,568. About 7% of residents live below the federal poverty line, and 18.1% of households rent their home.
What you need for a payday loan in Wakulla County
Lenders that serve Wakulla 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 Wakulla County
What Wakulla County borrowers use it for
the fastest options online
Rent duecover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Wakulla 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 Wakulla County
Banks with branches in Wakulla County
3 FDIC-insured bank branches from 3 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Centennial Bank | 1 | 2932 Crawfordville Hwy, Crawfordville 32327 |
| Ameris Bank | 1 | 2628 Crawfordville Hwy, Crawfordville 32327 |
| Capital City Bank | 1 | 2592 Crawfordville Hwy, Crawfordville 32327 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Wakulla County
5 credit-union locations from 5 credit unions.
| Credit union | Location |
|---|---|
| Midflorida | 2201 Crawfordville Hwy, Crawfordville 32327 |
| Campus Usa | 2329 Crawfordville Hwy, Crawfordville 32327 |
| Gulf Winds | 11 Preston Cir, Crawfordville 32327 |
| Champions First | 11 Osceola Ct, Crawfordville 32327 |
| Loyalty | 2190 Crawfordville Hwy, Crawfordville 32327 |
Source: NCUA credit union branch data, June 30, 2026.
All Florida counties and cities
Frequently asked questions
Are payday loans legal in Wakulla County?
Wakulla 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 Wakulla 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 Wakulla County?
Options include 3 bank and 5 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 Wakulla County?
Fill out our short online form from anywhere in Wakulla 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 Wakulla County with bad credit?
Yes, many lenders in our network work with Wakulla 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 Wakulla County?
Yes. When an unexpected bill comes up, Wakulla 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.
Can I get a loan in Wakulla 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. Wakulla County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Wakulla County?
Yes. You don't need to visit a branch or storefront anywhere in Wakulla 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.