- Payday loans in Hilliard 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 29 miles away.
Hilliard at a glance
| Hilliard | |
|---|---|
| Population (2024 Census estimate) | 3,077 |
| Change since 2020 | +3.8% (growing) |
| County | Nassau County |
| Size rank among 393 Florida places we cover | 262nd |
| Nearest larger city | Jacksonville (about 29 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Nassau County | 1 |
| Other towns within 25 miles | 1 (about 1,785 residents) |
| Typical payday APR statewide (CRL 2023) | 293% |
There is no separate Hilliard payday law: Florida rules apply here, and any lender serving Hilliard residents, online or in person, needs a license from the Florida Office of Financial Regulation.
Credit unions near Hilliard
No credit union has its main office in Hilliard, but these are based elsewhere in Nassau County (NCUA, June 2026):
- Container Mutual Credit Union in Fernandina Beac (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 Hilliard
In short, Florida rules that cover Hilliard 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 Hilliard
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 Nassau County before you borrow
Before a payday loan, Hilliard residents can usually find something cheaper:
- Local assistance through 211 covering Nassau 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 Hilliard
- Callahan · 10 mi
- Baldwin · 26 mi
- Fernandina Beach · 28 mi
- Jacksonville · 29 mi
- Macclenny · 31 mi
- Glen St. Mary · 32 mi
The nearest larger city is Jacksonville, about 29 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 Hilliard?
Yes. Payday loans are legal in Hilliard under Florida state law, and lenders must be licensed by the Florida Office of Financial Regulation.
How much does a payday loan cost in Hilliard?
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 Hilliard?
No credit union is headquartered in Hilliard, but Container Mutual Credit Union is based in Fernandina Beac, also in Nassau 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