- Payday loans in St. Leo 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 Temple Terrace, about 22 miles away.
St. Leo at a glance
| St. Leo | |
|---|---|
| Population (2024 Census estimate) | 2,472 |
| Change since 2020 | -0.8% (holding steady) |
| County | Pasco County |
| Size rank among 393 Florida places we cover | 275th |
| Nearest larger city | Temple Terrace (about 22 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Pasco County | 2 |
| Other towns within 25 miles | 8 (about 116,182 residents) |
| Typical payday APR statewide (CRL 2023) | 293% |
There is no separate St. Leo payday law: Florida rules apply here, and any lender serving St. Leo residents, online or in person, needs a license from the Florida Office of Financial Regulation.
Credit unions near St. Leo
No credit union has its main office in St. Leo, but these are based elsewhere in Pasco County (NCUA, June 2026):
- San Antonio Citizens Federal Credit Union in San Antonio (federal charter — may offer payday alternative loans (PALs))
- Ficare Federal Credit Union in Wesley Chapel (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.
Payday loan rules that apply in St. Leo
In short, Florida rules that cover St. Leo 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. Leo
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 Pasco County before you borrow
Before a payday loan, St. Leo residents can usually find something cheaper:
- Local assistance through 211 covering Pasco 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. Leo
- San Antonio · 1 mi
- Dade · 4 mi
- Zephyrhills · 8 mi
- Brooksville · 15 mi
- Temple Terrace · 22 mi
- Webster · 23 mi
The nearest larger city is Temple Terrace, about 22 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. Leo?
Yes. Payday loans are legal in St. Leo 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. Leo?
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. Leo?
No credit union is headquartered in St. Leo, but San Antonio Citizens Federal Credit Union is based in San Antonio, also in Pasco 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