Cape Coral, FL · South · Allowed
Payday loans in Cape Coral
Cape Coral is governed by Florida's statewide lending law — cities don't set their own loan rules. Storefront payday lending is permitted in Florida. State law caps what lenders can charge — the limits below are the legal ceiling, and honest lenders stay under it.
The limits below are the legal ceiling — any offer above them is being made outside the law.
Lending storefronts in Cape Coral
179,804 residents · Lee County Median household income is $50,536 — below the Florida median of $51,132.
1 storefront location of 1 company listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| Advance America Installment Loans, Check Cashing/Pay-day Loans | 2314 S Del Prado Blvd South Ste, 33990 | (239) 573-9272 | Mon 10:00 AM - 6:00 PM · hours vary |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Florida page before visiting. Spot an error? Report it.
The online route in Cape Coral
A parallel market lends entirely online — application, decision and funding on a website, no storefront. Lenders licensed in Florida follow the state schedule anywhere in the state, but bank-partner and tribal loans are structured outside state rate limits, and regulators dispute that model.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the Florida regulator.
The rules behind the numbers
You cannot be prosecuted in a criminal proceeding for a deferred presentment check returned for insufficient funds.
In practice: borrow $300 for a standard term and the finance charge is $35 — $335 repaid at the end, about 304% APR. Every compliant lender in Cape Coral has to fit inside that schedule.
Statute: Fla. Stat. § 560.401 et seq.
Regulator: Florida Office of Financial Regulation · flofr.gov
Questions people ask in Cape Coral
Are payday loans legal in Cape Coral, FL?
Yes. Storefront payday lending is permitted across Florida, and Cape Coral runs under the same state rules: maximum loan $500, fees capped at 10% of loan amount + $5 verification fee. A store charging above the cap is operating illegally.
How much would a $300 loan cost me in Cape Coral?
The same as anywhere in Florida: state law sets the schedule. On a typical $300 loan the finance charge is about $35 — $335 repaid at the end of the standard term.
Which lenders have stores in Cape Coral?
1 storefront is listed in Cape Coral in our 2022-02-20 directory snapshot (1 different company). The full list with addresses, phones and hours is in the table above.
Who regulates lenders in Cape Coral?
Complaints about a lender go to the Florida Office of Financial Regulation (flofr.gov) — keep the loan agreement and every fee disclosure you were given.