Terms of Service

By accessing Florida Payday Loans ("this website"), you agree to these Terms of Service. If you do not agree, please do not use the website.

1. Not a lender

This website is not a lender, bank, credit union, agent, or broker. We do not make loans, credit decisions, offers, or solicitations, and we do not receive loan applications on behalf of any lender. We provide an informational service and a form that may connect you with independent participating lenders. We are not affiliated with any federal or state government agency or any Indian tribe.

2. No guarantee

Submitting information through this website does not guarantee that you will be matched with a lender, approved for a loan, or offered any particular amount, rate, or term. All loan decisions are made solely by lenders based on their own underwriting criteria. Florida payday loans (deferred presentment) are limited to $500 with fees capped by Chapter 560, Florida Statutes; tribal and allotment installment loans typically range from $300 to $5,000 with APRs that vary by lender and applicant and may be higher than bank credit.

3. Compensation disclosure

We may receive compensation from lenders or lending partners when you submit an application through this website. This compensation may affect which lenders appear and the order in which they are presented. It never affects the rates or terms a lender may offer you, and it never increases your cost.

4. Eligibility

You must be at least 18 years old and a U.S. citizen or permanent resident to submit an application. Florida payday loans additionally require Florida residency and are limited to one open loan at a time under state law.

5. Your responsibilities

You agree to provide accurate, current information and to use this website only for lawful purposes. You are responsible for reviewing any offer you receive, including the loan agreement, APR, fees, and repayment schedule, before accepting. Accepting a loan creates a legal obligation between you and the lender — not with this website.

6. Intellectual property

All content on this website — text, design, graphics, and logos — is the property of Florida Payday Loans or its licensors and may not be reproduced without permission.

7. Limitation of liability

This website is provided "as is" without warranties of any kind. To the maximum extent permitted by law, we are not liable for any damages arising from your use of this website or from any loan or interaction with any third-party lender, including any lending partner you connect with through this site.

8. Third-party links

Links to third-party websites, including lender pages, are provided for convenience. We do not control and are not responsible for their content, policies, or practices.

9. Changes

We may modify these Terms at any time. Continued use of the website after changes are posted constitutes acceptance of the revised Terms.

10. Contact

Questions about these Terms: info@florida-paydayloans.com.