Loans & Advances
Installment Loans vs. Payday Loans: What's Better?
When unexpected expenses arise, many consumers begin searching for fast financial solutions.
June 26, 2026Read More
Payday Loans in Florida
Need Cash Before Payday?
Borrow Up to $500
No Credit Check Required
For unexpected short-term expenses, get the cash you need with one simple payment on your due date.
- No credit check
- One scheduled payment
- Borrow up to $500
- Local South Florida locations
Loans are subject to eligibility and approval.
Statewide database requirements apply.
- Car Repairs
- Medical Bills
- Home Expenses
- Everyday Needs
No Credit Check. Simple Requirements.
Your credit score isn't part of the application process.
-
No Credit Check
We don't pull your credit report to determine eligibility.
-
Proof of Income
Provide documentation of your income.
-
Active Checking Account
An active checking account is required.
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Valid Photo ID
Bring a valid government-issued photo ID.
Real People.
Real Solutions.
From Application to Cash in 4 Steps
It's quick, easy and straightforward.
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1
Choose Your Amount
Select how much you need, up to $500.
-
2
Bring Your Documents
ID + checking account information + proof of income.
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3
Review Your Loan
See your amount, fee, due date and total payment before signing.
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4
Get Your Cash
Complete your transaction after approval.
One loan. One due date. One payment.
One Payment. Know What You Owe.
Today
Receive
$500
Your Due Date
Repay
$555
- Loan Amount
- $500
- Finance Charge
- $55
- Total Payment
- $555
The legal term for this type of transaction in Florida is 7 to 31 days.
What You Need — And What You Don't
Have this ready to make the process faster.
You'll Need
- 18+ years old
- Government-issued ID
- Social Security information
- Active Checking Account
- Proof of Income
- Contact Phone Number
You Won't Need
- Credit check
- Perfect credit
- Collateral
- Long-term commitment
Need More Money or More Time?
Both options offer no credit check. Here's how they compare:
| Payday Loan | Installment Loan | |
|---|---|---|
| Borrow Up To | $500 | $1,000 |
| Credit Check | No | No |
| Repayment | One payment | Multiple payments |
| Payment Schedule | Your due date | Scheduled payments |
| Best For | Smaller short-term need | More money + more time to repay |
| Apply | In Store | In Store |
A Local Florida Company Serving Our Communities for 40 Years
40 Yearsof service
No Credit Checkfor our loans
Convenient Locationsthroughout South Florida
Multiple Servicesin one place
Local Experiencereal people, local stores
Payday Loans Near You in South Florida
Looking for a payday loan near you? Check Cashing USA offers payday loans up to $500 at participating South Florida locations, with no credit check required.
REVIEWS
Trusted by Thousands of Customers
I had an excellent experience here! The staff was friendly, professional, and made the whole process quick and easy.
- Carrianna Oliver
Check Cashing USA made everything quick, easy, and stress free while still making me feel welcomed and valued as a customer.
- Marsha Lemaistre
I've been here twice and the customer service is immaculate. The workers are very friendly and polite.
- Epthious Farrell
FAQ
Payday Loan FAQs
Do Check Cashing USA payday loans require a credit check?
No. We don't pull your credit report to determine eligibility. You need to be 18 or older with a valid government-issued photo ID, proof of income, an active checking account and a contact phone number. Every loan is subject to approval, and eligibility is subject to a statewide database.
How much can I borrow with a payday loan in Florida?
Florida law allows payday loans of up to $500. The amount you can borrow depends on your income and on approval, which is subject to a statewide database.
How much does a $500 payday loan cost?
A $500 payday loan has a $50 transaction fee and a $5 verification fee, a $55 finance charge in total, for a total payment of $555. That is an Annual Percentage Rate (APR) of 286.79% based on a 14-day term. Your exact terms depend on your pay frequency and pay date, and are disclosed before you sign.
What do I need to apply for a payday loan?
You must be 18 or older and bring a valid government-issued photo ID, your Social Security information and proof of income, such as your latest pay stub. You also need an active checking account and a contact phone number.
Can I get a payday loan with bad credit?
Yes, you can apply. We don't pull your credit report to determine eligibility, so bad credit does not stop you from applying. Every loan is subject to approval, and eligibility is subject to a statewide database.
How long do I have to repay a payday loan?
You repay the loan in one payment on your due date, which is usually your next payday. In Florida the term of this type of transaction is 7 to 31 days, and the typical term is 14 days.
Can I apply for a payday loan online?
You can start your application online to speed things up, but you will need to visit a Check Cashing USA location to complete the loan.
Do I need a checking account?
Yes. Unlike our check cashing and other services, a payday loan requires a valid checking account, along with a steady source of income and identification.
How do I repay my payday loan?
On your due date, you can pay off the loan in cash and reclaim your personal check, or we deposit your check to pay it off. The typical term is 14 days, and your check is held up to 31 days.
Can I have more than one payday loan?
No. Florida law allows only one outstanding payday loan at a time, with any provider, and this is checked through the statewide database. After you repay a loan, you must wait 24 hours before taking out a new one.
What is the difference between a payday loan and an installment loan?
A payday loan is up to $500 and is repaid in one payment on your due date. An installment loan is up to $1,000 and is repaid in multiple scheduled payments, which gives you more time to repay.
Can members of the military get a payday loan?
No. Check Cashing USA cannot offer a loan to an active member of the military or to his or her spouse or dependent.
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Customer notice
Payday and installment loans should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.
Check Cashing USA is regulated by state and federal laws and operates only in Florida. Loans are subject to approval, and eligibility is subject to a statewide database.
Check Cashing USA cannot offer you a loan if you are an active member of the military or his or her spouse or dependent.
Already have a loan with us? Make a payment