- Payday loans in Miramar 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.
- 1 credit union is headquartered in Miramar; ask about small-dollar loans before borrowing.
Miramar at a glance
| Miramar | |
|---|---|
| Population (2024 Census estimate) | 143,242 |
| Change since 2020 | +6.5% (growing fast) |
| County | Broward County |
| Size rank among 393 Florida places we cover | 14th |
| Share of Florida’s population | 0.6% |
| Nearest larger city | Pembroke Pines (about 3 miles) |
| Credit unions headquartered in town (NCUA) | 1 |
| Credit unions headquartered in Broward County | 10 |
| Other towns within 25 miles | 56 (about 3,233,112 residents) |
| Typical payday APR statewide (CRL 2023) | 293% |
There is no separate Miramar payday law: Florida rules apply here, and any lender serving Miramar residents, online or in person, needs a license from the Florida Office of Financial Regulation.
Credit unions in Miramar
These credit unions have their main office in Miramar, according to NCUA call report data (June 2026):
- Tropical Financial Credit Union (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.
Need $100–$1,000 before payday?
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- Bad credit and benefit income considered by many lenders
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Payday loan rules that apply in Miramar
| Rule | Florida |
|---|---|
| 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) |
| Loans at once | One, checked through the state database |
| Cooling-off | 24 hours after a loan ends |
| Rollovers | Not allowed |
| If you cannot pay | A 60-day grace period at no extra charge if you complete credit counseling |
What a $300 loan costs in Miramar
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
Before a payday loan, Miramar residents can usually find something cheaper:
- Local assistance through 211 covering Broward 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 Miramar
- Pembroke Pines · 3 mi
- Miami Lakes · 4 mi
- Southwest Ranches · 6 mi
- Hialeah Gardens · 6 mi
- Miami Gardens · 6 mi
- Cooper · 6 mi
The nearest larger city is Pembroke Pines, 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 Miramar?
Yes. Payday loans are legal in Miramar under Florida state law, and lenders must be licensed by the Florida Office of Financial Regulation.
How much does a payday loan cost in Miramar?
At Florida’s maximum fee, borrowing $300 costs $30 (10% fee) plus a small verification fee. The typical statewide APR was 293% in 2023.
Are there credit unions in Miramar?
Yes. NCUA data lists 1 credit union with a main office in Miramar, including Tropical Financial Credit Union.
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