- Payday loans in Gulf Stream 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 Delray Beach, about 3 miles away.
Gulf Stream at a glance
| Gulf Stream | |
|---|---|
| Population (2024 Census estimate) | 994 |
| Change since 2020 | +4.2% (growing) |
| County | Palm Beach County |
| Size rank among 393 Florida places we cover | 333rd |
| Nearest larger city | Delray Beach (about 3 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Palm Beach County | 6 |
| Other towns within 25 miles | 45 (about 1,739,020 residents) |
| Typical payday APR statewide (CRL 2023) | 293% |
There is no separate Gulf Stream payday law: Florida rules apply here, and any lender serving Gulf Stream residents, online or in person, needs a license from the Florida Office of Financial Regulation.
Credit unions near Gulf Stream
No credit union has its main office in Gulf Stream, but these are based elsewhere in Palm Beach County (NCUA, June 2026):
- Gold Coast Federal Credit Union in Palm Springs (federal charter — may offer payday alternative loans (PALs))
- South Atlantic Federal Credit Union in Boca Raton (federal charter — may offer payday alternative loans (PALs))
- Guardians Credit Union in West Palm Beach (state charter)
- First Choice Credit Union in West Palm Beach (state charter)
- Ithink Financial Credit Union in Boca Raton (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.
Payday loan rules that apply in Gulf Stream
In short, Florida rules that cover Gulf Stream 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 Gulf Stream
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 Palm Beach County before you borrow
Before a payday loan, Gulf Stream residents can usually find something cheaper:
- Local assistance through 211 covering Palm Beach 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 Gulf Stream
- Briny Breezes · 2 mi
- Delray Beach · 3 mi
- Ocean Ridge · 3 mi
- Golf · 3 mi
- Boynton Beach · 3 mi
- Highland Beach · 5 mi
The nearest larger city is Delray Beach, about 3 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 Gulf Stream?
Yes. Payday loans are legal in Gulf Stream under Florida state law, and lenders must be licensed by the Florida Office of Financial Regulation.
How much does a payday loan cost in Gulf Stream?
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 Gulf Stream?
No credit union is headquartered in Gulf Stream, but Gold Coast Federal Credit Union is based in Palm Springs, also in Palm Beach 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