- Payday loans in Seminole 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.
- 1 credit union is headquartered in Seminole; ask about small-dollar loans before borrowing.
Seminole at a glance
| Seminole | |
|---|---|
| Population (2024 Census estimate) | 19,395 |
| Change since 2020 | -0.1% (holding steady) |
| County | Pinellas County |
| Size rank among 393 Florida places we cover | 126th |
| Nearest larger city | Largo (about 5 miles) |
| Credit unions headquartered in town (NCUA) | 1 |
| Credit unions headquartered in Pinellas County | 4 |
| Other towns within 25 miles | 25 (about 1,091,795 residents) |
| Typical payday APR statewide (CRL 2023) | 293% |
Whether you borrow at a storefront in Largo or online from Seminole, the lender must hold a Florida license from the Florida Office of Financial Regulation and follow state limits.
Credit unions in Seminole
These credit unions have their main office in Seminole, according to NCUA call report data (June 2026):
- Ecu Credit Union (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 Seminole
Key Florida limits that apply to Seminole borrowers: 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 Seminole
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 Pinellas County before you borrow
- Credit union payday alternative loans (PALs): $200–$2,000 at no more than 28% APR. Search for a federal credit union in Seminole that offers them. See how PALs work.
- Your bank’s small-dollar loan, if it offers one. See bank small-dollar loans.
- Cash advance apps for $20–$500 based on your direct deposits. See apps compared.
- 211: call or text 211 for local help with rent, utilities and food.
Towns near Seminole
- North Redington Beach · 3 mi
- Redington Beach · 3 mi
- Redington Shores · 3 mi
- Madeira Beach · 3 mi
- Indian Shores · 4 mi
- Largo · 5 mi
The nearest larger city is Largo, about 5 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 Seminole?
Yes. Payday loans are legal in Seminole under Florida state law, and lenders must be licensed by the Florida Office of Financial Regulation.
How much does a payday loan cost in Seminole?
At Florida’s maximum fee, borrowing $300 costs $30 (10% fee) plus a small verification fee. The typical statewide APR was 293% in 2023.
Are there credit unions in Seminole?
Yes. NCUA data lists 1 credit union with a main office in Seminole, including Ecu Credit Union.
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