- Payday loans in Deltona 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 Orlando, about 34 miles away.
Deltona at a glance
| Deltona | |
|---|---|
| Population (2024 Census estimate) | 100,513 |
| Change since 2020 | +6.9% (growing fast) |
| County | Volusia County |
| Size rank among 393 Florida places we cover | 26th |
| Nearest larger city | Orlando (about 34 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Volusia County | 1 |
| Other towns within 25 miles | 23 (about 699,510 residents) |
| Typical payday APR statewide (CRL 2023) | 293% |
Whether you borrow at a storefront in Orlando or online from Deltona, the lender must hold a Florida license from the Florida Office of Financial Regulation and follow state limits.
Credit unions near Deltona
No credit union has its main office in Deltona, but these are based elsewhere in Volusia County (NCUA, June 2026):
- Financial Educators Federal Credit Union in Daytona Beach (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.
Payday loan rules that apply in Deltona
| Rule | Florida |
|---|---|
| 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) |
| Loans at once | One, checked through the state database |
| Cooling-off | 24 hours after a loan ends |
| Rollovers | Not allowed |
| If you cannot pay | A 60-day grace period at no extra charge if you complete credit counseling |
What a $300 loan costs in Deltona
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 Volusia County before you borrow
- Credit union payday alternative loans (PALs): $200–$2,000 at no more than 28% APR. Search for a federal credit union in Deltona that offers them. See how PALs work.
- Your bank’s small-dollar loan, if it offers one. See bank small-dollar loans.
- Cash advance apps for $20–$500 based on your direct deposits. See apps compared.
- 211: call or text 211 for local help with rent, utilities and food.
Towns near Deltona
The nearest larger city is Orlando, about 34 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 Deltona?
Yes. Payday loans are legal in Deltona under Florida state law, and lenders must be licensed by the Florida Office of Financial Regulation.
How much does a payday loan cost in Deltona?
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 Deltona?
No credit union is headquartered in Deltona, but Financial Educators Federal Credit Union is based in Daytona Beach, also in Volusia 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