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Best Payday Lenders in Tampa, FL

Updated 10/12/2018

Payday loans are a short-term financial fix to borrow a small sum of money, often for an unexpected expense. The best payday lenders in Tampa get their high marks for lower fees and flexible repayment.

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  • Payday loans up to $500
  • Savings program
  • Online application
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ACE Cash Express
ACE Cash Express
  • $100-$500 payday loans
  • Get instant cash in-store
  • Apply online or in-store
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4001 E. Hillsborough Ave.
Tampa, FL 33610
(813) 621-7221
Check 'n Go Check 'n Go Features
  • $50-$500 payday loans
  • Get instant cash in-store
  • Apply online or in-store
  • locations.checkngo.com/florida/tampa
Contact info
10600 N. 56th St.
Tampa, FL 33617
(813) 914-8800
InstaLoan InstaLoan Features
  • M-F: 9am - 7pm
  • Sat: 10am - 2pm
  • Closed Sun
  • instaloan.com/store/tampa-fl-2-title-loans
Contact info
1402 E. Fowler Ave.
Tampa, FL 33612
(813) 910-3439
Advance America Advance America Features
  • M-Sat: 9am - 7pm
  • Closed Sun
  • advanceamerica.net/store-locations/florida
Contact info
2602 E. Fletcher Ave., Unit 109
Tampa, FL 33612
(813) 631-8289
CheckSmart CheckSmart Features
  • M-F: 9am - 8pm
  • Sat: 9am - 8pm
  • Sun: 11am - 5pm
  • ccfi.com/checksmart
Contact info
3719 E. Busch Blvd.
Tampa, FL 33612
(813) 983-9623
Amscot Amscot Features
  • M-Sat: 7am - 10pm
  • Sun: 10am - 8pm
  • amscot.com
Contact info
4061 N. Armenia
Tampa, FL 33607
OneMain Financial OneMain Financial Features
  • M: 8:30am - 5:30pm
  • T: 8:30am - 7pm
  • W-F: 8:30am - 5:30pm
  • Closed Sat and Sun
  • onemainfinancial.com
Contact info
14917 N. Florida Ave.
Tampa, FL 33613
(813) 985-4511
Mariner Finance Mariner Finance Features
  • M: 9am - 5pm
  • T: 9am - 7pm
  • W-Th: 9am - 5pm
  • F: 9am - 5:30pm
  • Closed Sat and Sun
  • marinerfinance.com
Contact info
11218 W. Hillsborough Ave.
Tampa, FL 33635
(813) 889-8373
AHL HardMoney Loans AHL HardMoney Loans Features
  • M-Sat: 9am - 9pm
  • Closed Sun
  • ahlhardmoney.com
Contact info
14802 N. Dale Mabry Hwy., Ste., 212
Tampa, FL 33618
(813) 658-0911
CashAmericaPawn CashAmericaPawn Features
  • M-F: 9am - 7pm
  • Sat: 9am - 5pm
  • Sun: 12pm - 5pm
  • cashamerica.com
Contact info
3811 W. Kennedy Blvd.
Tampa, FL 33609
(813) 876-9695

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How to get a payday loan in Tampa

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Payday loans in Tampa are a fast, easy way to get cash. However, they can be expensive, so look into payday loan alternatives. A savings plan will help you prepare for life's unexpected costs. Even putting $10 or $20 away every week helps. Ask a friend or family member for a no-interest or low-interest loan, or work to improve your credit so you can qualify for an emergency credit card.

On the plus side, a payday loan can be one of the fastest, easiest financial transactions. You apply, get your money and then pay it back—typically the next time you get a paycheck.

Are payday loans legal in Florida? What are the limits?

Payday loans are subject to regulation in Florida. The maximum you can borrow is $500, and your loan term cannot be longer than 31 days. You can only have one outstanding payday loan at a time, and you'll need a cooling off period of 24 hours between loans.

If you cannot pay your loan back, Tampa borrowers can ask for a grace period of up to 60 days, and credit counseling will be required. More information on payday loan limits and regulations can be found here.

If you live in Tampa, can you get a payday loan with bad credit?

Tampa residents with bad credit can still get a payday loan. Most Tampa payday lenders specialize in serving customers who have some credit problems and cannot borrow money elsewhere.

Can you go to jail for not paying back a payday loan in Tampa?

You will not go to jail if you don't pay your loan back. But the lender will pursue aggressive collection activities and may sue you in civil court. According to the Consumer Financial Protection Bureau, if you ignore a court order to appear once a judgment is won against you, a warrant could be issued for your arrest.

Getting a payday loan in Tampa is not difficult. Make sure you know the payday lender rates so you know what you'll have to pay back. Look for low-interest rate payday loans and a lender who is willing to explain the costs and fees of your loan. Online payday loans are popular and can be taken out from the privacy of your home. For most Tampa payday lenders, loan requirements include:

  • Valid government-issued identification
  • Working telephone number
  • Checking account in good standing
  • Proof of income, including a schedule of your pay dates

Talk to your payday lender about additional requirements, and be prepared to document everything you include on your application. For example, you may need pay stubs to prove your income.



Apply for a loan online with CashNetUSA, and you’ll get funds the same day you’re approved. In their reviews, customers say they appreciate the efficiency of the process, and the willingness of agents to be available for questions while applying. Services include payday loans, installment loans and credit lines.

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ACE Cash Express

ACE Cash Express

M-F: 8am - 8pm, Sat: 9am - 4pm, Sun: 10am - 4pm

ACE Cash Express has several stores in the Tampa area, most of them on the public bus line. Customers can cash checks and get payday loans and prepaid debit cards. You can return your loan within 72 hours if you change your mind. To apply you’ll need identification, proof of income and a bank account.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.