Payday loans in Pace, FL
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Pace, FL.
The median household in Pace earns $80,701 a year, 8% above the Florida median of $74,568. About 12% of residents live below the federal poverty line, and 17.0% of households rent their home. When an unexpected bill hits before payday, Pace residents can request $100 to $1,000 online in minutes.
Florida law that applies in Pace
| 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 Pace
Here's what to have on hand before you start your payday loan request in Pace:
- 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 Pace
What Pace borrowers use it for
keep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Loans for your situation
How to get a payday loan in Pace
- 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 Pace
5 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Regions Bank | 1 | 4725 Highway 90, Pace 32571 |
| Hancock Whitney Bank | 1 | 4612 Highway 90, Pace 32571 |
| Pinnacle Bank | 1 | 4811 Highway 90, Pace 32571 |
| Renasant Bank | 1 | 4911 Highway 90, Pace 32571 |
| United Bank | 1 | 4104 Highway 90, Pace 32571 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Pace
6 credit-union locations from 6 credit unions.
| Credit union | Location |
|---|---|
| Eglin | 4413 Highway 90, Pace 32571 |
| Navy Federal Credit Union | 4891 Highway 90, Pace 32571 |
| Penair | 4586 Highway 90, Pace 32571 |
| Harvesters | 4487 Highway 90, Pace 32571 |
| Members First Credit Union Of Flori | 5005 Highway 90, Pace 32571 |
| Santa Rosa County | 3772 Highway 90, Pace 32571 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Santa Rosa County · Personal Loans in Pace · Title Loans in Pace
Frequently asked questions
Can I get a payday loan in Pace, 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 Pace through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in Pace?
$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 Pace?
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.
Do payday loans show up on your credit report?
Many payday lenders do not report regular, on-time payments to the three major credit bureaus, so the loan often doesn't appear on a standard credit report. Some lenders and specialty bureaus do track short-term loans, and an unpaid balance sent to collections can be reported. Your lender explains its reporting policy in the loan agreement. Ready to compare offers in Pace? Our form takes 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. Pace residents can see if they qualify in about 3 minutes.
How do payday loans work in Pace?
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. Pace residents can start the process online in about 3 minutes.
How do I get a payday loan in Pace, FL?
Have a few basics ready: a government-issued ID, proof of regular income, an active checking account, and a working phone number and email. Then complete our secure online form. Lenders review your request, and many give a decision within minutes. If you're approved, you'll see the full terms before signing. Most Pace borrowers can finish the form in about 3 minutes.
Do payday lenders in Pace check your credit?
Most payday lenders check something, but it often isn't a traditional credit report. Many focus on income and banking history and may use alternative credit data or a soft check instead of a hard pull from the major bureaus. Each lender sets its own process and will tell you what it reviews. Submitting our form is free, and you can see if you qualify in about 3 minutes.
Do I need to visit a store in Pace?
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.