Payday loans in Coral Gables, FL
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Coral Gables, FL.
The median household in Coral Gables earns $134,216 a year, 80% above the Florida median of $74,568. About 9% of residents live below the federal poverty line, and 35.5% of households rent their home. When an unexpected bill hits before payday, Coral Gables residents can request $100 to $1,000 online in minutes.
Florida law that applies in Coral Gables
| Maximum loan | $500 per single-payment loan (not counting fees). |
|---|---|
| Fee cap | Single-payment loan: fees may not exceed 10% of the amount provided, plus a verification fee (OFR states this as $5.00). |
| Rollovers | Not allowed. |
| Loans at once | One at a time, across all lenders. |
| Payment plan | Single-payment loans: if you cannot pay by the end of the term, the lender must give you a 60-day grace period at no extra charge, as long as you make an appointment with an approved consumer credit counseling agency within 7 days and finish counseling within… |
Full rules with statute citations: Payday Loans in Florida. Cities in Florida cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a payday loan in Coral Gables
Most Coral Gables applicants can finish in one sitting if they have these ready:
- 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 Coral Gables
What Coral Gables borrowers use it for
pay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Loans for your situation
How to get a payday loan in Coral Gables
- Pick an amount and fill out the short form (about 3 minutes).
- We share your request with lenders in our network that serve Florida.
- If a lender approves you, you'll see the fee, APR and due date before you sign.
- Funds are deposited to your bank account, often the next business day.
Estimate your cost
How much will I repay?
Florida does not set a single per-$100 fee cap for this product; check the lender's disclosure. $15 per $100 is shown as an example.
Estimate only. Your lender shows your exact cost before you sign.
Banks and credit unions in the area
Banks with branches in Coral Gables
57 FDIC-insured bank branches from 40 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| JPMorgan Chase Bank, National Association | 5 | 2740 Coral Way, Coral Gables 33145 |
| Wells Fargo Bank, National Association | 4 | 1699 Coral Way, Coral Gables 33145 |
| Bank of America, National Association | 3 | 1500 S Dixie Hwy, Coral Gables 33146 |
| Seacoast National Bank | 3 | 396 Alhambra Cir, Coral Gables 33134 |
| Citibank, National Association | 2 | 1190 S Dixie Hwy, Coral Gables 33146 |
| Regions Bank | 2 | 2800 Ponce De Leon Blvd, Coral Gables 33134 |
| Amerant Bank, National Association | 2 | 220 Alhambra Cir, Coral Gables 33134 |
| Terrabank, National Association | 2 | 1 Alhambra Plz, Coral Gables 33134 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Coral Gables
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Baptist Health South Florida | 5000 University Dr, Coral Gables 33146 |
| Space Coast | 4899 Sw 8Th St, Coral Gables 33134 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Miami-Dade County · Personal Loans in Coral Gables · Title Loans in Coral Gables
Frequently asked questions
Can I get a payday loan in Coral Gables, FL?
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. You can request one online from Coral Gables through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in Coral Gables?
$500 per single-payment loan (not counting fees). For an installment payday loan, neither the check amount nor the outstanding balance may exceed $1,000.
How fast can I get a payday loan in Coral Gables?
The form takes about three minutes and many lenders decide within minutes. If you're approved and sign before the lender's cutoff, funds are often deposited the next business day.
How do payday loans work in Coral Gables?
You fill out a short online request, a lender reviews your income and banking details, and if you're approved you see the amount, fee and due date before you sign. Funds are typically deposited into your checking account, often by the next business day. On your due date, repayment is usually taken from that same account. Coral Gables residents can start the process online in about 3 minutes.
Where can I get a payday loan in Coral Gables?
You can visit a storefront in Coral Gables or request a loan online without leaving home. Our free form sends one request to multiple lenders in our network, so you don't have to apply store by store. If a lender makes you an offer, you review the terms and decide whether to accept, with no obligation. It takes about 3 minutes to see if you qualify.
How much does a payday loan cost in Coral Gables?
Single-payment loan: fees may not exceed 10% of the amount provided, plus a verification fee (OFR states this as $5.00). Your lender shows the exact fee, total amount to repay, due date and APR before you sign, so you know the full cost upfront. There's no charge to use our form, and you're never obligated to accept an offer. Compare what lenders offer Coral Gables borrowers in about 3 minutes.
Is a payday loan secured or unsecured?
A payday loan is an unsecured loan. You don't put up a car, home or other property as collateral. Instead, lenders base their decision mainly on your income and checking account, and repayment is usually scheduled from that account on your due date. That keeps the process quick, since there's nothing to appraise. Coral Gables residents can see if they qualify in about 3 minutes.
What is a payday advance loan?
A payday advance loan is another name for a payday loan: a short-term advance on your next paycheck. You borrow a small amount and repay it, plus a fee, when you're next paid. The process is quick because lenders look mainly at your income and checking account. Coral Gables residents can request a payday advance online through our network in about 3 minutes.
Do I need to visit a store in Coral Gables?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.