- Payday loans in Palm Coast 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 Jacksonville, about 61 miles away.
Palm Coast at a glance
| Palm Coast | |
|---|---|
| Population (2024 Census estimate) | 106,729 |
| Change since 2020 | +19% (growing fast) |
| County | Flagler County |
| Size rank among 393 Florida places we cover | 23rd |
| Nearest larger city | Jacksonville (about 61 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Other towns within 25 miles | 9 (about 78,906 residents) |
| Typical payday APR statewide (CRL 2023) | 293% |
Payday lending in Palm Coast follows Florida state law. Lenders that serve Palm Coast, in a store or online, must be licensed by the Florida Office of Financial Regulation.
Credit unions near Palm Coast
NCUA data (June 2026) shows no credit union headquartered in Palm Coast or Flagler County. Many credit unions have branches in other towns or accept members online. Use the NCUA’s Credit Union Locator to find one near you.
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 Coast
| Rule | Florida |
|---|---|
| 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) |
| Loans at once | One, checked through the state database |
| Cooling-off | 24 hours after a loan ends |
| Rollovers | Not allowed |
| If you cannot pay | A 60-day grace period at no extra charge if you complete credit counseling |
What a $300 loan costs in Palm Coast
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 Flagler County before you borrow
- Call or text 211 for help with rent, utilities and food in Flagler 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 Palm Coast
- Beverly Beach · 6 mi
- Flagler Beach · 8 mi
- Bunnell · 9 mi
- Crescent · 18 mi
- Ormond Beach · 19 mi
- Pomona Park · 21 mi
The nearest larger city is Jacksonville, about 61 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 Palm Coast?
Yes. Payday loans are legal in Palm Coast under Florida state law, and lenders must be licensed by the Florida Office of Financial Regulation.
How much does a payday loan cost in Palm Coast?
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 Palm Coast?
NCUA data shows no credit union headquartered in Palm Coast or its county. Use the NCUA credit union locator to find branches and online credit unions.
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