- Payday loans in Fort White 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 Gainesville, about 28 miles away.
Fort White at a glance
| Fort White | |
|---|---|
| Population (2024 Census estimate) | 669 |
| Change since 2020 | +7.7% (growing fast) |
| County | Columbia County |
| Size rank among 393 Florida places we cover | 355th |
| Nearest larger city | Gainesville (about 28 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Other towns within 25 miles | 11 (about 45,418 residents) |
| Typical payday APR statewide (CRL 2023) | 293% |
Payday lending in Fort White follows Florida state law. Lenders that serve Fort White, in a store or online, must be licensed by the Florida Office of Financial Regulation.
Credit unions near Fort White
NCUA data (June 2026) shows no credit union headquartered in Fort White or Columbia County. Many credit unions have branches in other towns or accept members online. Use the NCUA’s Credit Union Locator to find one near you.
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 Fort White
The main Florida rules for a payday loan in Fort White: 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 Fort White
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 Columbia County before you borrow
- Call or text 211 for help with rent, utilities and food in Columbia 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 Fort White
- High Springs · 11 mi
- Branford · 13 mi
- Bell · 15 mi
- Alachua · 18 mi
- Worthington Springs · 18 mi
- Lake · 19 mi
The nearest larger city is Gainesville, about 28 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 Fort White?
Yes. Payday loans are legal in Fort White under Florida state law, and lenders must be licensed by the Florida Office of Financial Regulation.
How much does a payday loan cost in Fort White?
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 Fort White?
NCUA data shows no credit union headquartered in Fort White or its county. Use the NCUA credit union locator to find branches and online credit unions.
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