- Payday loans in Atlantic Beach follow Florida law (Florida Statutes s. 560.404 (deferred presentment)).
- Borrowing $300 at the state maximum costs $30 (10% fee) plus a small verification fee.
- The nearest larger city is Jacksonville, about 16 miles away.
Atlantic Beach at a glance
| Atlantic Beach | |
|---|---|
| Population (2024 Census estimate) | 13,279 |
| Change since 2020 | -1.6% (shrinking) |
| County | Duval County |
| Size rank among 393 Florida places we cover | 154th |
| Nearest larger city | Jacksonville (about 16 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Duval County | 10 |
| Other towns within 25 miles | 5 (about 1,063,160 residents) |
| Typical payday APR statewide (CRL 2023) | 293% |
There is no separate Atlantic Beach payday law: Florida rules apply here, and any lender serving Atlantic Beach residents, online or in person, needs a license from the Florida Office of Financial Regulation.
Credit unions near Atlantic Beach
No credit union has its main office in Atlantic Beach, but these are based elsewhere in Duval County (NCUA, June 2026):
- Farmers Federal Credit Union in Jacksonville (federal charter — may offer payday alternative loans (PALs))
- Radifi Federal Credit Union in Jacksonville (federal charter — may offer payday alternative loans (PALs))
- Coastline Federal Credit Union in Jacksonville (federal charter — may offer payday alternative loans (PALs))
- Metro North Federal Credit Union in Jacksonville (federal charter — may offer payday alternative loans (PALs))
- Jm Associates Federal Credit Union in Jacksonville (federal charter — may offer payday alternative loans (PALs))
Only federal credit unions can offer payday alternative loans (PALs), capped at 28% APR; state-chartered credit unions often have their own small-loan products. Membership rules apply, and only main offices are listed here; find branches near you with the NCUA Credit Union Locator. See how PALs work.
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Payday loan rules that apply in Atlantic Beach
In short, Florida rules that cover Atlantic Beach include: maximum loan: $500 (single-payment); $1,000 for installment deferred presentment; maximum fee: 10% of the amount provided, plus a verification fee; loan term: 7 to 31 days (installment: 60 to 90 days). See the full Florida payday loan rules.
What a $300 loan costs in Atlantic Beach
The Center for Responsible Lending put the typical APR on a $400 payday loan in Florida at 293% (June 2023). For $300 at the state maximum, expect $30 (10% fee) plus a small verification fee. Check any offer with our payday loan calculator.
Other help in Duval County before you borrow
Before a payday loan, Atlantic Beach residents can usually find something cheaper:
- Local assistance through 211 covering Duval County.
- A credit union payday alternative loan (max 28% APR). See PALs explained.
- Your bank’s small-dollar loan, if offered (compare banks).
- A cash advance app for $20–$500 (apps compared).
Towns near Atlantic Beach
- Neptune Beach · 2 mi
- Jacksonville Beach · 5 mi
- Jacksonville · 16 mi
- Orange Park · 22 mi
- Fernandina Beach · 22 mi
- Green Cove Springs · 30 mi
The nearest larger city is Jacksonville, about 16 miles away. See all 393 Florida cities.
Need cash before payday?Send one free request to our lender network. We are not a lender; offers and rates come from lenders.
Request a loanFrequently asked questions
Are payday loans legal in Atlantic Beach?
Yes. Payday loans are legal in Atlantic Beach under Florida state law, and lenders must be licensed by the Florida Office of Financial Regulation.
How much does a payday loan cost in Atlantic Beach?
At Florida’s maximum fee, borrowing $300 costs $30 (10% fee) plus a small verification fee. The typical statewide APR was 293% in 2023.
Where is the nearest credit union to Atlantic Beach?
No credit union is headquartered in Atlantic Beach, but Farmers Federal Credit Union is based in Jacksonville, also in Duval County.
Sources
- U.S. Census Bureau — City and town population totals, Vintage 2024
- U.S. Census Bureau — 2024 Gazetteer files (place locations)
- NCUA — Credit union call report data, June 2026 (FOICU)
- Florida Statutes s. 560.404
- Florida OFR — Payday lenders
- Center for Responsible Lending — Red Alert Rates: APRs on $400 single-payment payday loans (June 2023)
- CDFI Fund — NCUA payday alternative loans summary