- Payday loans in Oldsmar 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 Dunedin, about 8 miles away.
Oldsmar at a glance
| Oldsmar | |
|---|---|
| Population (2024 Census estimate) | 14,831 |
| Change since 2020 | -0.6% (holding steady) |
| County | Pinellas County |
| Size rank among 393 Florida places we cover | 146th |
| Nearest larger city | Dunedin (about 8 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Pinellas County | 4 |
| Other towns within 25 miles | 26 (about 1,141,649 residents) |
| Typical payday APR statewide (CRL 2023) | 293% |
Payday lending in Oldsmar follows Florida state law. Lenders that serve Oldsmar, in a store or online, must be licensed by the Florida Office of Financial Regulation.
Credit unions near Oldsmar
No credit union has its main office in Oldsmar, but these are based elsewhere in Pinellas County (NCUA, June 2026):
- Pinellas Federal Credit Union in Largo (federal charter — may offer payday alternative loans (PALs))
- Achieva Credit Union in Dunedin (state charter)
- City-County Employees Credit Union in Clearwater (state charter)
- Ecu Credit Union in Seminole (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.
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Payday loan rules that apply in Oldsmar
The main Florida rules for a payday loan in Oldsmar: 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 Oldsmar
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 Pinellas County before you borrow
- Call or text 211 for help with rent, utilities and food in Pinellas 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 Oldsmar
- Safety Harbor · 3 mi
- Dunedin · 8 mi
- Clearwater · 8 mi
- Tarpon Springs · 10 mi
- Largo · 12 mi
- Belleair · 12 mi
The nearest larger city is Dunedin, about 8 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 Oldsmar?
Yes. Payday loans are legal in Oldsmar under Florida state law, and lenders must be licensed by the Florida Office of Financial Regulation.
How much does a payday loan cost in Oldsmar?
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 Oldsmar?
No credit union is headquartered in Oldsmar, but Pinellas Federal Credit Union is based in Largo, also in Pinellas 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