- Payday loans in Holmes Beach 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 Bradenton, about 9 miles away.
Holmes Beach at a glance
| Holmes Beach | |
|---|---|
| Population (2024 Census estimate) | 3,049 |
| Change since 2020 | +1.3% (growing) |
| County | Manatee County |
| Size rank among 393 Florida places we cover | 264th |
| Nearest larger city | Bradenton (about 9 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Other towns within 25 miles | 19 (about 526,413 residents) |
| Typical payday APR statewide (CRL 2023) | 293% |
Payday lending in Holmes Beach follows Florida state law. Lenders that serve Holmes Beach, in a store or online, must be licensed by the Florida Office of Financial Regulation.
Credit unions near Holmes Beach
NCUA data (June 2026) shows no credit union headquartered in Holmes Beach or Manatee 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.
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Payday loan rules that apply in Holmes Beach
The main Florida rules for a payday loan in Holmes Beach: 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 Holmes Beach
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 Manatee County before you borrow
- Call or text 211 for help with rent, utilities and food in Manatee 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 Holmes Beach
- Anna Maria · 2 mi
- Bradenton Beach · 4 mi
- Bradenton · 9 mi
- Palmetto · 9 mi
- Longboat Key · 9 mi
- St. Pete Beach · 14 mi
The nearest larger city is Bradenton, about 9 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 Holmes Beach?
Yes. Payday loans are legal in Holmes Beach under Florida state law, and lenders must be licensed by the Florida Office of Financial Regulation.
How much does a payday loan cost in Holmes Beach?
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 Holmes Beach?
NCUA data shows no credit union headquartered in Holmes Beach 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