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Superb Cash Advance offers payday loans of up to $500 across Florida, online and at offices from Jacksonville to Miami. Applying online takes a few minutes, with no hard credit check to get started.
Loans run 7 to 31 days, and the cost is set by state law: on a $500 loan the fee is $55, so you repay $555 on your due date. Florida also allows only one payday loan at a time, so a new loan cannot begin until the last one is paid off.
If you pre-qualify, you will see a free, no-obligation estimate before you decide. Apply online, or find your nearest Florida office below.
In Florida, payday loans are legally classified and licensed as deferred presentment transactions. You give the lender a personal check or authorize a debit for the amount you borrow plus the fee, and the lender holds it until your agreed due date, usually your next payday.
A single-payment loan can be up to $500 and runs from 7 to 31 days, and you can have only one outstanding at a time, which is verified through a state database before your loan is approved.
Lenders must be licensed by the Florida Office of Financial Regulation, and the fee is fixed by state law, so it does not change from one licensed lender to the next.
| Loan amount | Term | Fee | Total to repay | APR |
|---|---|---|---|---|
| $100 | About 14 days | $15 | $115 | About 391% |
| $200 | About 14 days | $25 | $225 | About 326% |
| $300 | About 14 days | $35 | $335 | About 304% |
| $400 | About 14 days | $45 | $445 | About 293% |
| $500 | About 14 days | $55 | $555 | About 287% |
Representative example: borrow $500 for 14 days. The fee is $55, which is 10% of $500 ($50) plus a $5 verification fee, so you repay $555 on your due date. That single fee works out to about a 287% APR.
A longer 31-day term lowers the APR for the same fee, and a smaller loan carries a higher APR because the $5 verification fee is a larger share of the amount. We show your exact numbers before you sign.
Source: Florida deferred presentment law, Fla. Stat. § 560.402 to 560.408 ($500 single-payment cap, 10% plus a $5 fee, 7 to 31 day term, one loan at a time, no rollovers, 60-day grace period).
Payday lenders are licensed and overseen by the Florida Office of Financial Regulation. Last reviewed June 2026.
With Superb Cash Advance, $500 is the most you can borrow on a single-payment payday loan in Florida, and you can request the exact amount you need up to that limit.
The fastest way to get $500 is to apply online with your ID, income, and bank details ready. Most applicants get a decision, and approved funds can arrive the same business day.*
See the requirements and how it works on our $500 cash advance with no credit check page.
Are payday loans legal in Florida?
Yes. Payday loans, which Florida law calls deferred presentment transactions, are legal and regulated.
How many payday loans can you have in Florida at once?
Only one. Florida allows a single outstanding payday loan at a time, and lenders confirm this through a statewide database before they approve you.
After you repay, there is a 24-hour cooling-off period before you can take another.
What are you waiting for?
Get a free quote in minutes, with no obligation. You only decide after you see the full cost.
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2212 S Victory St #300, Houston, TX 77088 | (832) 345-9761
All lending products offered by Superb Cash Advance are contingent upon approval through our underwriting process. Applicable interest rates, loan terms, and fees are determined by the borrower's state of residence, creditworthiness, and other relevant factors. Product availability is not uniform across all states, and not every applicant will be approved or will qualify for the maximum loan amount. Full terms and conditions apply to each product. Cash advance products are meant to address immediate, short-term financial needs. They are not a replacement for responsible long-term financial management. If you are struggling with debt, we strongly suggest contacting a qualified credit counselor. When applying online, additional verification of your information may be needed prior to funding, which may extend the disbursement process by up to two business days.
Submitting a loan application through Superb Cash Advance does not affect your FICO® Score. As part of our review, we may consult a non-traditional consumer reporting agency. An application of this kind may appear on your record with that agency but will leave your FICO® Score unchanged.
USA PATRIOT ACT NOTICE: CUSTOMER IDENTIFICATION REQUIREMENTS: In accordance with Federal law, all financial institutions must obtain, verify, and keep a record of information that identifies everyone who opens an account. You will be asked to supply your name, street address, date of birth, and other identifying information when you open an account. A valid driver's license or comparable identification document may also be requested.
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* Funds may be deposited as soon as the same business day for applications approved before 11:30 AM ET. Applications approved later in the day are generally funded on the next business day.
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