Naples, FL · South · Allowed
Payday loans in Naples
Naples 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 Naples
21,845 residents · Collier County Median household income is $79,515 — above the Florida median of $51,132.
3 storefront locations 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 | 4917 Rattlesnake Hammock Rd Unit, 34113 | (239) 732-5156 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Installment Loans, Check Cashing/Pay-day Loans | 4887 Golden Gate Pkwy, 34116 | (239) 352-4504 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans, Installment Loans | 11985 Collier Blvd Ste 4, 34116 | (239) 348-1703 | 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 Naples
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 Naples 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 Naples
Are payday loans legal in Naples, FL?
Yes. Storefront payday lending is permitted across Florida, and Naples 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 Naples?
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 Naples?
3 storefronts are listed in Naples 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 Naples?
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.