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Best Payday Lenders in Tampa, FL

Sept. 25, 2019, 10:54 p.m.

Payday loans are a short-term financial fix to borrow a small sum of money, often for an unexpected expense. The best payday lenders in Tampa get their high marks for lower fees and flexible repayment.

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CashNetUSA
CashNetUSA
Features
  • Payday loans up to $500
  • Savings program
  • Online application
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#2
ACE Cash Express
ACE Cash Express
Features
  • $100-$500 payday loans
  • Get instant cash in-store
  • Apply online or in-store
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Location
4001 E. Hillsborough Ave.
Tampa, FL 33610
(813) 621-7221
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Check 'n Go
Check 'n Go
Features
  • $50-$500 payday loans
  • Get instant cash in-store
  • Apply online or in-store
  • locations.checkngo.com/florida/tampa
Location
10600 N. 56th St.
Tampa, FL 33617
(813) 914-8800
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InstaLoan
InstaLoan
Features
  • M-F: 9am - 7pm
  • Sat: 10am - 2pm
  • Closed Sun
  • instaloan.com/store/tampa-fl-2-title-loans
Location
1402 E. Fowler Ave.
Tampa, FL 33612
(813) 910-3439
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Advance America
Advance America
Features
  • M-Sat: 9am - 7pm
  • Closed Sun
  • advanceamerica.net/store-locations/florida
Location
2602 E. Fletcher Ave., Unit 109
Tampa, FL 33612
(813) 631-8289
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CheckSmart
CheckSmart
Features
  • M-F: 9am - 8pm
  • Sat: 9am - 8pm
  • Sun: 11am - 5pm
  • ccfi.com/checksmart
Location
3719 E. Busch Blvd.
Tampa, FL 33612
(813) 983-9623
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Amscot
Amscot
Features
  • M-Sat: 7am - 10pm
  • Sun: 10am - 8pm
  • amscot.com
Location
4061 N. Armenia
Tampa, FL 33607
813-873-8494
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OneMain Financial
OneMain Financial
Features
  • M: 8:30am - 5:30pm
  • T: 8:30am - 7pm
  • W-F: 8:30am - 5:30pm
  • Closed Sat and Sun
  • onemainfinancial.com
Location
14917 N. Florida Ave.
Tampa, FL 33613
(813) 985-4511
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Mariner Finance
Mariner Finance
Features
  • M: 9am - 5pm
  • T: 9am - 7pm
  • W-Th: 9am - 5pm
  • F: 9am - 5:30pm
  • Closed Sat and Sun
  • marinerfinance.com
Location
11218 W. Hillsborough Ave.
Tampa, FL 33635
(813) 889-8373
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AHL HardMoney Loans
AHL HardMoney Loans
Features
  • M-Sat: 9am - 9pm
  • Closed Sun
  • ahlhardmoney.com
Location
14802 N. Dale Mabry Hwy., Ste., 212
Tampa, FL 33618
(813) 658-0911
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CashAmericaPawn
CashAmericaPawn
Features
  • M-F: 9am - 7pm
  • Sat: 9am - 5pm
  • Sun: 12pm - 5pm
  • cashamerica.com
Location
3811 W. Kennedy Blvd.
Tampa, FL 33609
(813) 876-9695
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How to get a payday loan in Tampa

Tampa Skyline

Payday loans in Tampa are a fast, easy way to get cash. However, they can be expensive, so look into payday loan alternatives. A savings plan will help you prepare for life's unexpected costs. Even putting $10 or $20 away every week helps. Ask a friend or family member for a no-interest or low-interest loan, or work to improve your credit so you can qualify for an emergency credit card.

On the plus side, a payday loan can be one of the fastest, easiest financial transactions. You apply, get your money and then pay it back—typically the next time you get a paycheck.

Are payday loans legal in Florida? What are the limits?

Payday loans are subject to regulation in Florida. The maximum you can borrow is $500, and your loan term cannot be longer than 31 days. You can only have one outstanding payday loan at a time, and you'll need a cooling off period of 24 hours between loans.

If you cannot pay your loan back, Tampa borrowers can ask for a grace period of up to 60 days, and credit counseling will be required. More information on payday loan limits and regulations can be found here.

If you live in Tampa, can you get a payday loan with bad credit?

Tampa residents with bad credit can still get a payday loan. Most Tampa payday lenders specialize in serving customers who have some credit problems and cannot borrow money elsewhere.

Can you go to jail for not paying back a payday loan in Tampa?

You will not go to jail if you don't pay your loan back. But the lender will pursue aggressive collection activities and may sue you in civil court. According to the Consumer Financial Protection Bureau, if you ignore a court order to appear once a judgment is won against you, a warrant could be issued for your arrest.

Getting a payday loan in Tampa is not difficult. Make sure you know the payday lender rates so you know what you'll have to pay back. Look for low-interest rate payday loans and a lender who is willing to explain the costs and fees of your loan. Online payday loans are popular and can be taken out from the privacy of your home. For most Tampa payday lenders, loan requirements include:

  • Valid government-issued identification
  • Working telephone number
  • Checking account in good standing
  • Proof of income, including a schedule of your pay dates

Talk to your payday lender about additional requirements, and be prepared to document everything you include on your application. For example, you may need pay stubs to prove your income.

CashNetUSA

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Apply for a loan online with CashNetUSA, and you’ll get funds the same day you’re approved. In their reviews, customers say they appreciate the efficiency of the process, and the willingness of agents to be available for questions while applying. Services include payday loans, installment loans and credit lines.

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ACE Cash Express

ACE Cash Express

ACE Cash Express has several stores in the Tampa area, most of them on the public bus line. Customers can cash checks and get payday loans and prepaid debit cards. You can return your loan within 72 hours if you change your mind. To apply you’ll need identification, proof of income and a bank account.

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