Jacksonville, FL · South · Allowed
Payday loans in Jacksonville
Jacksonville 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 Jacksonville
880,619 residents · Duval County Median household income is $46,764 — below the Florida median of $51,132.
28 storefront locations of 9 companies 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 Check Cashing/Pay-day Loans, Installment Loans | 13740 Beach Blvd Ste 114, 32224 | (904) 992-0966 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Installment Loans, Check Cashing/Pay-day Loans | 5800 Beach Blvd., Ste 116 & 117, 32207 | (904) 399-5937 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans, Installment Loans | 5324 Blanding Blvd Ste 7, 32210 | (904) 777-3373 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans, Installment Loans | 7451-17 103rd St, 32210 | (904) 777-5880 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans, Installment Loans | 5230 Baymeadows Rd Ste 5, 32217 | (904) 733-4234 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Installment Loans, Check Cashing/Pay-day Loans | 9119 Merrill Road Ste 9, 32225 | (904) 745-8155 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Installment Loans, Check Cashing/Pay-day Loans | 8595 Beach Blvd, 32216 | (904) 646-9731 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans, Installment Loans | 9550 Baymeadows Road Ste 6, 32256 | (904) 733-2898 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans, Installment Loans | 11018 Old St Augustine Rd, 32257 | (904) 260-1450 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans, Installment Loans | 7001 Merrill Rd Ste 33, 32277 | (904) 744-9598 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans, Installment Loans | 12777 Atlantic Blvd, 32225 | (904) 220-1204 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Installment Loans, Check Cashing/Pay-day Loans | 1020-14 N Edgewood Ave, 32254 | (904) 781-7075 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans, Installment Loans | 1124 Dunn Ave Publix Shopping Cente, 32218 | (904) 757-2228 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Installment Loans, Check Cashing/Pay-day Loans | 6251 Argyle Forest Blvd, 32244 | (904) 779-3919 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans, Installment Loans | 12961 N Main St Ste, 32218 | (904) 714-7006 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans, Installment Loans | 3000 Dunn Avenue Unit, 32218 | (904) 765-7100 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans, Installment Loans | 7961 Normandy Blvd, 32221 | (904) 781-1650 | Mon 10:00 AM - 6:00 PM · hours vary |
| Joint Venture Capital Installment Loans | 3390 Kori Rd Ste 9, 32257 | (904) 545-6170 | Mon 9:00 AM - 6:00 PM · hours vary |
| KW Capital Investments Mortgage Lenders, Business Financing, Installment Loans | Jacksonville, 32225 | (904) 800-4803 | Mon 8:00 AM - 9:00 PM · hours vary |
| Lending Bear Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 4329 Blanding Blvd, 32210 | (904) 573-6002 | Mon 9:00 AM - 6:00 PM · hours vary |
| Lending Bear Check Cashing/Pay-day Loans | 7935 Lem Turner Rd, 32208 | (904) 768-5576 | Mon 9:00 AM - 6:00 PM · hours vary |
| Lending Bear Check Cashing/Pay-day Loans, Installment Loans, Title Loans | 1680 Dunn Ave Ste 46, 32218 | (904) 714-4578 | Mon 9:00 AM - 6:00 PM · hours vary |
| Lending Bear Pawn Shops, Title Loans, Check Cashing/Pay-day Loans | 6016 Saint Augustine Rd Ste 2, 32217 | (904) 636-5520 | Mon 9:00 AM - 6:00 PM · hours vary |
| NLP CAPITAL GROUP Installment Loans | Jacksonville, 32207 | (877) 707-4462 | Hours not listed |
| OneMain Financial Installment Loans | 1795 Kernan Blvd S Ste 103, 32246 | (904) 642-1535 | Mon 8:30 AM - 5:30 PM · hours vary |
Showing 25 of 28 locations — the rest are smaller branches of the same companies.
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 Jacksonville
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 Jacksonville 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 Jacksonville
Are payday loans legal in Jacksonville, FL?
Yes. Storefront payday lending is permitted across Florida, and Jacksonville 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 Jacksonville?
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 Jacksonville?
28 storefronts are listed in Jacksonville in our 2022-02-20 directory snapshot (9 different companies). The full list with addresses, phones and hours is in the table above.
Who regulates lenders in Jacksonville?
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.