- Payday loans in Wauchula 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 Winter Haven, about 35 miles away.
Wauchula at a glance
| Wauchula | |
|---|---|
| Population (2024 Census estimate) | 4,984 |
| Change since 2020 | +1.8% (growing) |
| County | Hardee County |
| Size rank among 393 Florida places we cover | 229th |
| Nearest larger city | Winter Haven (about 35 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Other towns within 25 miles | 8 (about 65,293 residents) |
| Typical payday APR statewide (CRL 2023) | 293% |
There is no separate Wauchula payday law: Florida rules apply here, and any lender serving Wauchula residents, online or in person, needs a license from the Florida Office of Financial Regulation.
Credit unions near Wauchula
NCUA data (June 2026) shows no credit union headquartered in Wauchula or Hardee 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.
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Payday loan rules that apply in Wauchula
In short, Florida rules that cover Wauchula 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 Wauchula
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 Hardee County before you borrow
Before a payday loan, Wauchula residents can usually find something cheaper:
- Local assistance through 211 covering Hardee 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 Wauchula
- Zolfo Springs · 4 mi
- Bowling Green · 6 mi
- Fort Meade · 15 mi
- Avon Park · 19 mi
- Frostproof · 22 mi
- Sebring · 23 mi
The nearest larger city is Winter Haven, about 35 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 Wauchula?
Yes. Payday loans are legal in Wauchula under Florida state law, and lenders must be licensed by the Florida Office of Financial Regulation.
How much does a payday loan cost in Wauchula?
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 Wauchula?
NCUA data shows no credit union headquartered in Wauchula 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