- Payday loans in St. Cloud 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 Kissimmee, about 9 miles away.
St. Cloud at a glance
| St. Cloud | |
|---|---|
| Population (2024 Census estimate) | 71,036 |
| Change since 2020 | +19.5% (growing fast) |
| County | Osceola County |
| Size rank among 393 Florida places we cover | 41st |
| Nearest larger city | Kissimmee (about 9 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Other towns within 25 miles | 9 (about 500,679 residents) |
| Typical payday APR statewide (CRL 2023) | 293% |
There is no separate St. Cloud payday law: Florida rules apply here, and any lender serving St. Cloud residents, online or in person, needs a license from the Florida Office of Financial Regulation.
Credit unions near St. Cloud
NCUA data (June 2026) shows no credit union headquartered in St. Cloud or Osceola 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.
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 St. Cloud
In short, Florida rules that cover St. Cloud 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 St. Cloud
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 Osceola County before you borrow
Before a payday loan, St. Cloud residents can usually find something cheaper:
- Local assistance through 211 covering Osceola County.
- A credit union payday alternative loan (max 28% APR). See PALs explained.
- Your bank’s small-dollar loan, if offered (compare banks).
- A cash advance app for $20–$500 (apps compared).
Towns near St. Cloud
The nearest larger city is Kissimmee, about 9 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 St. Cloud?
Yes. Payday loans are legal in St. Cloud under Florida state law, and lenders must be licensed by the Florida Office of Financial Regulation.
How much does a payday loan cost in St. Cloud?
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 St. Cloud?
NCUA data shows no credit union headquartered in St. Cloud 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