Payday Loans in Hillsboro Beach, FL: Rules, Costs and Local Options

Hillsboro Beach at a glance

Whether you borrow at a storefront in Deerfield Beach or online from Hillsboro Beach, the lender must hold a Florida license from the Florida Office of Financial Regulation and follow state limits.

Credit unions near Hillsboro Beach

No credit union has its main office in Hillsboro Beach, but these are based elsewhere in Broward County (NCUA, June 2026):

• Broward Healthcare Federal Credit Union in Fort Lauderdale (federal charter — may offer payday alternative loans (PALs))
• We Florida Financial Credit Union in Fort Lauderdale (state charter)
• Pompano Beach City Emp. Credit Union in Pompano Beach (state charter)
• Sun Credit Union in Hollywood (state charter)
• Connect Credit Union in Fort Lauderdale (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 Hillsboro Beach

Key Florida limits that apply to Hillsboro Beach borrowers: 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 Hillsboro Beach

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 Broward 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 Hillsboro Beach 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 Hillsboro Beach

• Lighthouse Point · 1 mi
• Deerfield Beach · 4 mi
• Pompano Beach · 4 mi
• Sea Ranch Lakes · 6 mi
• Lauderdale-by-the-Sea · 6 mi
• Coconut Creek · 7 mi

The nearest larger city is Deerfield Beach, about 4 miles away. See all 393 Florida cities.

Frequently asked questions