Payday Loans in Palm Beach Gardens, FL: Rules, Costs and Local Options

Palm Beach Gardens at a glance

There is no separate Palm Beach Gardens payday law: Florida rules apply here, and any lender serving Palm Beach Gardens residents, online or in person, needs a license from the Florida Office of Financial Regulation.

Credit unions near Palm Beach Gardens

No credit union has its main office in Palm Beach Gardens, but these are based elsewhere in Palm Beach County (NCUA, June 2026):

• Gold Coast Federal Credit Union in Palm Springs (federal charter — may offer payday alternative loans (PALs))
• South Atlantic Federal Credit Union in Boca Raton (federal charter — may offer payday alternative loans (PALs))
• Guardians Credit Union in West Palm Beach (state charter)
• First Choice Credit Union in West Palm Beach (state charter)
• Ithink Financial Credit Union in Boca Raton (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.

Payday loan rules that apply in Palm Beach Gardens

In short, Florida rules that cover Palm Beach Gardens 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 Palm Beach Gardens

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 Palm Beach County before you borrow

Before a payday loan, Palm Beach Gardens residents can usually find something cheaper:

1. Local assistance through 211 covering Palm Beach County.
2. A credit union payday alternative loan (max 28% APR). See PALs explained.
3. Your bank’s small-dollar loan, if offered (compare banks).
4. A cash advance app for $20–$500 (apps compared).

Towns near Palm Beach Gardens

• Jupiter · 6 mi
• Juno Beach · 7 mi
• Lake Park · 7 mi
• North Palm Beach · 7 mi
• Riviera Beach · 7 mi
• West Palm Beach · 8 mi

The nearest larger city is West Palm Beach, about 8 miles away. See all 393 Florida cities.

Frequently asked questions