- Payday loans in Chipley 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.
- 1 credit union is headquartered in Chipley; ask about small-dollar loans before borrowing.
Chipley at a glance
| Chipley | |
|---|---|
| Population (2024 Census estimate) | 3,741 |
| Change since 2020 | +2% (growing) |
| County | Washington County |
| Size rank among 393 Florida places we cover | 244th |
| Nearest larger city | Panama (about 43 miles) |
| Credit unions headquartered in town (NCUA) | 1 |
| Credit unions headquartered in Washington County | 1 |
| Other towns within 25 miles | 12 (about 17,579 residents) |
| Typical payday APR statewide (CRL 2023) | 293% |
Payday lending in Chipley follows Florida state law. Lenders that serve Chipley, in a store or online, must be licensed by the Florida Office of Financial Regulation.
Credit unions in Chipley
These credit unions have their main office in Chipley, according to NCUA call report data (June 2026):
- Community South Credit Union (state charter)
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 Chipley
The main Florida rules for a payday loan in Chipley: 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 Chipley
At Florida’s maximum fee, borrowing $300 costs $30 (10% fee) plus a small verification fee. Statewide, the typical APR on a $400 payday loan was 293% (Center for Responsible Lending, June 2023). Check any offer with our payday loan calculator.
Other help in Washington County before you borrow
- Call or text 211 for help with rent, utilities and food in Washington County.
- Ask a federal credit union about a PAL: $200–$2,000 at no more than 28% APR (how PALs work).
- Check your bank app for a small-dollar loan or early pay (bank options).
- Try a cash advance app if you have direct deposit (apps compared).
Towns near Chipley
The nearest larger city is Panama, about 43 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 Chipley?
Yes. Payday loans are legal in Chipley under Florida state law, and lenders must be licensed by the Florida Office of Financial Regulation.
How much does a payday loan cost in Chipley?
At Florida’s maximum fee, borrowing $300 costs $30 (10% fee) plus a small verification fee. The typical statewide APR was 293% in 2023.
Are there credit unions in Chipley?
Yes. NCUA data lists 1 credit union with a main office in Chipley, including Community South Credit Union.
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