- Payday loans in Niceville 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 Crestview, about 16 miles away.
Niceville at a glance
| Niceville | |
|---|---|
| Population (2024 Census estimate) | 17,919 |
| Change since 2020 | +13% (growing fast) |
| County | Okaloosa County |
| Size rank among 393 Florida places we cover | 131st |
| Nearest larger city | Crestview (about 16 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Okaloosa County | 2 |
| Other towns within 25 miles | 9 (about 90,335 residents) |
| Typical payday APR statewide (CRL 2023) | 293% |
There is no separate Niceville payday law: Florida rules apply here, and any lender serving Niceville residents, online or in person, needs a license from the Florida Office of Financial Regulation.
Credit unions near Niceville
No credit union has its main office in Niceville, but these are based elsewhere in Okaloosa County (NCUA, June 2026):
- Eglin Federal Credit Union in Fort Walton Bea (federal charter — may offer payday alternative loans (PALs))
- Okaloosa County Teachers Federal Credit Union in Crestview (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 Niceville
In short, Florida rules that cover Niceville include: 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 Niceville
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 Okaloosa County before you borrow
Before a payday loan, Niceville residents can usually find something cheaper:
- Local assistance through 211 covering Okaloosa 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 Niceville
- Valparaiso · 4 mi
- Destin · 9 mi
- Shalimar · 9 mi
- Cinco Bayou · 11 mi
- Fort Walton Beach · 11 mi
- Mary Esther · 14 mi
The nearest larger city is Crestview, about 16 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 Niceville?
Yes. Payday loans are legal in Niceville under Florida state law, and lenders must be licensed by the Florida Office of Financial Regulation.
How much does a payday loan cost in Niceville?
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 Niceville?
No credit union is headquartered in Niceville, but Eglin Federal Credit Union is based in Fort Walton Bea, also in Okaloosa 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