Tampa, FL · South · Allowed
Payday loans in Tampa
Tampa 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 Tampa
377,165 residents · Hillsborough County Median household income is $44,185 — below the Florida median of $51,132.
10 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 | 4123 W Hillsborough Ave Ste C, 33614 | (813) 885-2685 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Installment Loans, Check Cashing/Pay-day Loans | 2602 E Fletcher Ave, 33612 | (813) 631-8289 | Mon 10:00 AM - 6:00 PM · hours vary |
| AHL Hard Money Network Installment Loans | 14802 N Dale Mabry, 33618 | (813) 516-5210 | Hours not listed |
| CapTec USA Installment Loans | 401 E Jackson St Ste 3300, 33602 | (813) 445-4929 | 8:00 AM - 5:00 PM daily |
| Mobilization Funding Installment Loans | 8902 N Dale Mabry Hwy Ste 200, 33614 | (813) 940-4803 | Mon–Fri 9:00 AM - 5:00 PM · Sat–Sun Closed |
| Oportun Installment Loans | 2513 W Hillsborough Ave, 33614 | (813) 517-0336 | Mon 11:00 AM - 6:30 PM · hours vary |
| Pacifica Lending Installment Loans | Tampa, 33609 | (813) 492-8405 | Hours not listed |
| Rapid Cash Notaries, Title Loans, Installment Loans | 2602 E Busch Blvd, 33612 | (813) 935-8677 | Mon 9:00 AM - 6:00 PM · hours vary |
| Swift Lending Solutions Installment Loans, Business Financing | 4522 W Village Dr, 33618 | (762) 585-5809 | Mon 8:00 AM - 9:00 PM · hours vary |
| Xpress Capital Group Installment Loans, Business Financing | 13801 N Florida Ave Ste C, 33613 | (877) 927-4448 | Open 24 hours daily |
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 Tampa
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 Tampa 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 Tampa
Are payday loans legal in Tampa, FL?
Yes. Storefront payday lending is permitted across Florida, and Tampa 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 Tampa?
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 Tampa?
10 storefronts are listed in Tampa 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 Tampa?
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.