- Payday loans in New Smyrna 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 Port Orange, about 7 miles away.
New Smyrna Beach at a glance
| New Smyrna Beach | |
|---|---|
| Population (2024 Census estimate) | 33,144 |
| Change since 2020 | +8.8% (growing fast) |
| County | Volusia County |
| Size rank among 393 Florida places we cover | 91st |
| Nearest larger city | Port Orange (about 7 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Volusia County | 1 |
| Other towns within 25 miles | 14 (about 447,283 residents) |
| Typical payday APR statewide (CRL 2023) | 293% |
Whether you borrow at a storefront in Port Orange or online from New Smyrna Beach, the lender must hold a Florida license from the Florida Office of Financial Regulation and follow state limits.
Credit unions near New Smyrna Beach
No credit union has its main office in New Smyrna Beach, but these are based elsewhere in Volusia County (NCUA, June 2026):
- Financial Educators Federal Credit Union in Daytona Beach (federal charter — may offer payday alternative loans (PALs))
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 New Smyrna Beach
Key Florida limits that apply to New Smyrna 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 New Smyrna 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 Volusia 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 New Smyrna 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 New Smyrna Beach
- Ponce Inlet · 5 mi
- Edgewater · 5 mi
- Port Orange · 7 mi
- Daytona Beach Shores · 10 mi
- South Daytona · 10 mi
- Oak Hill · 13 mi
The nearest larger city is Port Orange, about 7 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 New Smyrna Beach?
Yes. Payday loans are legal in New Smyrna 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 New Smyrna 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 New Smyrna Beach?
No credit union is headquartered in New Smyrna Beach, but Financial Educators Federal Credit Union is based in Daytona Beach, also in Volusia 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