- Payday loans in Ormond 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 Daytona Beach, about 7 miles away.
Ormond Beach at a glance
| Ormond Beach | |
|---|---|
| Population (2024 Census estimate) | 44,596 |
| Change since 2020 | +3.4% (growing) |
| County | Volusia County |
| Size rank among 393 Florida places we cover | 73rd |
| Nearest larger city | Daytona Beach (about 7 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Volusia County | 1 |
| Other towns within 25 miles | 14 (about 388,587 residents) |
| Typical payday APR statewide (CRL 2023) | 293% |
Payday lending in Ormond Beach follows Florida state law. Lenders that serve Ormond Beach, in a store or online, must be licensed by the Florida Office of Financial Regulation.
Credit unions near Ormond Beach
No credit union has its main office in Ormond 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.
Need $100–$1,000 before payday?
- One free request, many lenders
- Bad credit and benefit income considered by many lenders
- See the APR and total cost before you sign
PaydayEase is not a lender. Requests go to lenders in our network; approval, rates and terms are set by the lender. Rates & fees
Payday loan rules that apply in Ormond Beach
The main Florida rules for a payday loan in Ormond Beach: 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 Ormond Beach
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 Volusia County before you borrow
- Call or text 211 for help with rent, utilities and food in Volusia 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 Ormond Beach
- Holly Hill · 5 mi
- Daytona Beach · 7 mi
- South Daytona · 11 mi
- Daytona Beach Shores · 11 mi
- Flagler Beach · 13 mi
- Port Orange · 14 mi
The nearest larger city is Daytona Beach, 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 Ormond Beach?
Yes. Payday loans are legal in Ormond 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 Ormond 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 Ormond Beach?
No credit union is headquartered in Ormond 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