Payday Loans in Lauderdale-by-the-Sea, FL: Rules, Costs and Local Options

Lauderdale-by-the-Sea at a glance

Whether you borrow at a storefront in Oakland Park or online from Lauderdale-by-the-Sea, the lender must hold a Florida license from the Florida Office of Financial Regulation and follow state limits.

Credit unions near Lauderdale-by-the-Sea

No credit union has its main office in Lauderdale-by-the-Sea, 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 Lauderdale-by-the-Sea

Key Florida limits that apply to Lauderdale-by-the-Sea 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 Lauderdale-by-the-Sea

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 Lauderdale-by-the-Sea 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 Lauderdale-by-the-Sea

• Sea Ranch Lakes · 1 mi
• Wilton Manors · 3 mi
• Oakland Park · 3 mi
• Pompano Beach · 4 mi
• Fort Lauderdale · 5 mi
• Lighthouse Point · 6 mi

The nearest larger city is Oakland Park, about 3 miles away. See all 393 Florida cities.

Frequently asked questions