Orlando, FL · South · Allowed
Payday loans in Orlando
Orlando 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 Orlando
277,173 residents · Orange County Median household income is $42,318 — below the Florida median of $51,132.
17 storefront locations of 8 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 |
|---|---|---|---|
| ACE Cash Express Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 6325 N Orange Blossom Trl, 32810 | (407) 292-7294 | Mon 8:00 AM - 8:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Installment Loans | 5030 W Colonial Dr, 32808 | (407) 578-5926 | Mon 8:00 AM - 9:30 PM · hours vary |
| Advance America Installment Loans, Check Cashing/Pay-day Loans | 4473 South Semoran Blvd, 32822 | (407) 207-2630 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Installment Loans, Check Cashing/Pay-day Loans | 5600 W Colonial Dr, 32808 | (407) 291-6467 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Installment Loans, Check Cashing/Pay-day Loans | 4512 Curry Ford Rd, 32812 | (407) 737-0767 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans, Installment Loans | 5836 North Orange Blossom Trl, 32810 | (407) 522-0782 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Installment Loans, Check Cashing/Pay-day Loans | 7661 South Orange Blossom Trl, 32809 | (407) 251-4240 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans, Installment Loans | 676 S Goldenrod Rd, 32822 | (407) 273-6150 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Installment Loans, Check Cashing/Pay-day Loans | 2842 N Hiawassee Rd Ste 429, 32818 | (407) 297-3800 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Installment Loans, Check Cashing/Pay-day Loans | 13851 S John Young Pkwy, 32837 | (407) 859-0277 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Installment Loans, Check Cashing/Pay-day Loans | 11927 E Colonial Dr, 32826 | (407) 381-2662 | Mon 10:00 AM - 6:00 PM · hours vary |
| CashRepublic Check Cashing/Pay-day Loans, Auto Insurance | 11681 S Orange Blossom Trl, 32837 | (407) 743-1901 | Mon–Fri 8:00 AM - 9:00 PM · Sat–Sun 9:00 AM - 6:00 PM |
| Marlin Financial Check Cashing/Pay-day Loans, Title Loans | 12250 Menta St Ste 203, 32837 | (407) 917-8126 | Mon 9:00 AM - 6:00 PM · hours vary |
| MoneyBack Now Tax Services, Installment Loans | 2911 39th St Ste 600, 32839 | (407) 802-2647 | Mon Closed · hours vary |
| Oportun Installment Loans | 4020 S Semoran Blvd, 32822 | (321) 684-4915 | Mon 10:00 AM - 7:00 PM · hours vary |
| Synchrony Financial Financial Advising | Orlando, 32896 | (866) 419-4096 | Hours not listed |
| Xpress Finance Installment Loans | 3777 N John Young Pkwy, 32804 | (407) 629-0095 | Hours not listed |
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 Orlando
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 Orlando 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 Orlando
Are payday loans legal in Orlando, FL?
Yes. Storefront payday lending is permitted across Florida, and Orlando 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 Orlando?
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 Orlando?
17 storefronts are listed in Orlando in our 2022-02-20 directory snapshot (8 different companies). The full list with addresses, phones and hours is in the table above.
Who regulates lenders in Orlando?
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.