Local briefing · FL
Payday loans in Glen St. Mary, FL
Glen St. Mary is a Florida community of roughly 485 people — the 375th-largest place in the state. For payday borrowing the state matters more than the city: payday lending is permitted for licensed lenders in Florida, inside the state fee cap, and Florida's fee cap applies to every licensed lender serving Glen St. Mary. Below are the sourced rules, the real cost, and the cheaper options.
Advertising disclosure: Paydayloaning may receive a referral fee if you apply through the link above. That fee does not change the rate you are offered, and it does not change our content. We are not a lender. The lowest rates are only available to the most qualified applicants. Read the full disclosure.
Payday lending in Florida
Permitted under license
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Payday loan rules that apply in Glen St. Mary
Every figure below is published by the state or the regulator that sets it, with a link to the primary source. These rules apply to any lender serving Glen St. Mary — Florida's fee cap is not adjusted city by city.
| Rule | Detail | Source |
|---|---|---|
| Maximum legal interest rate (usury cap) | 18% per annum simple interest (loans/advances of $500,000 or less; loans above $500,000 are exempt from this cap)Source quoteSource says: "it shall be usury and unlawful ... to ... charge ... a rate of interest greater than the equivalent of 18 percent per annum simple interest". | Florida Legislature (The Florida Senate, Online Sunshine) as of 2026-09-16 |
| Payday lending status | Permitted under license (deferred presentment providers; money services business license under chapter 560)Source quoteSource says: "Businesses intending to engage in deferred presentment transactions must be licensed as a money services business under chapter 560, Florida Statutes". | Florida Office of Financial Regulation as of 2026-09-16 |
| Small-loan / installment lender licensing | Consumer finance loan license required (chapter 516)Source quoteSource says: "A person must not engage in the business of making consumer finance loans ... unless ... the person first obtains a license from the office". | Florida Legislature (The Florida Senate, Online Sunshine) as of 2026-09-16 |
| State lending regulator | Florida Office of Financial Regulation (OFR)Source quoteSource says: "The Office of Financial Regulation is a state-government agency created by the Governor and Cabinet to provide regulatory oversight for Florida's financial services industry". | Florida Office of Financial Regulation as of 2026-09-16 |
| Deferred presentment fee cap | 10% of the amount provided (transactions not repayable in installments)Source quoteSource says: "A deferred presentment provider or its affiliate may not charge fees that exceed 10 percent of the currency or payment instrument provided". | Florida Legislature (The Florida Senate, Online Sunshine) as of 2026-09-16 |
What a payday loan costs in Glen St. Mary
Before you sign in Glen St. Mary, work out what you will owe on the due date — the amount borrowed plus the fee — and compare it with the cash you expect to have that day. If the two do not line up, the loan is being repaid by the next one. Model it first with our loan payment calculator and see what the same amount would cost as a fixed-payment installment loan.
Cheaper alternatives in Glen St. Mary
Ranked by what they usually cost: a payment plan with the creditor (often 0%), a credit-union payday alternative loan, a small personal installment loan, and a cash-advance app — which is often a payday loan in different clothing and carries a similar APR. See the full comparison of alternatives to payday loans before you borrow in Glen St. Mary.
About Glen St. Mary
- Population: 485 (US Census Bureau, Vintage 2023 subcounty estimate).
- Size in Florida: the 375th-largest of 411 Census places in the state.
- Population trend: Its population grew about 5.2% between the 2020 Census base and the 2023 estimate.
- Nearest larger cities: Macclenny, FL (2 mi); Baldwin, FL (11 mi); Lawtey, FL (17 mi). Bigger markets often have more lenders, but a lender licensed in Florida serves Glen St. Mary under the same state rules.
Before you borrow in Glen St. Mary
- Confirm payday lending is permitted in Florida and check the maximum fee in the table above.
- Compare the APR, not the dollar fee — that is the only way to compare a two-week loan with a two-year one.
- Run the numbers with our loan payment calculator to price the same amount as an installment loan.
- Verify the lender is licensed in Florida with the regulator listed above.
- Never give a lender remote access to your bank account beyond the amount you actually owe, and ask for any repayment plan in writing.
Advertising disclosure: Paydayloaning may receive a referral fee if you apply through the link above. That fee does not change the rate you are offered, and it does not change our content. We are not a lender. The lowest rates are only available to the most qualified applicants. Read the full disclosure.
Frequently asked questions
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Nearby places
All Florida citiesNearest Census places by distance.