If you are looking for a payday loan to help see you through the month, Pheabs is delighted to help. We offer a free service that connects your loan application with a number of Florida payday lenders and you will be matched with the lender who is most likely to approve you and offer the best rates. Our service is completely free to use and always will be. Simply click on ‘Get Started’ where you can enter your details in less than 5 minutes and if approved, you can receive funds to your bank account within 24 hours or the next business day.

Next Day Funding

With funds you can receive funds on the same day of applying or the next business day.

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Connection Service

We connect your loan application with the provider who is most likely to accept your requirements and offer the best rates possible.

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No Impact to Your Credit Rating

It is free to apply and will not have any negative impact on your credit score.

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You can apply for online payday loans in Florida with Pheabs, using our online submission form which can be completed 24 hours a day, 7 days a week using your mobile, desktop or tablet.

Pheabs can offer the best payday loans in Florida including areas such as Aventura, Boca Raton, Broward, Fort Lauderdale, Fort Myers, Hollywood, Jacksonville, Miami, Naples, Orlando, Sarasota, South Beach, Tallahassee, Tampa, and more.

A payday loan can help get you fast cash when you need money for an emergency or pressing bill. With a streamlined online application, you can get instant approval and funds within 24 hours or the next day of applying. 

The cash injection can help pay for your outstanding bill and provide some much needed relief — plus, you have the flexibility to repay over 3 to 60 months so you can spread repayment over time.

Payday loans are not legal in every state, but they are legal in Florida FL, so you may need to go and search for the best payday loans in Florida to find the right fit for you.

Pheabs works with a number of reputable money lenders who can help facilitate the loan you need. Provided that our cash advances are used for short-term purposes and are paid off on time, they can be very effective to help stay on top of your finances.

There are some things to consider if a payday loan is the best option for you. Whilst the fees may be a little more than your average personal loan or credit card, you are mostly paying for the speed and convenience. 

It is commonly said that the cost of payday loans can start to add up if you miss repayments and could affect your credit rating. Therefore, it is important to consider whether you can afford to make repayments on time and how you are paying these, either from your work income or through savings. If you think that you might struggle with repayments, we also suggest looking at alternatives such as borrowing money from family or friends, which is often free of charge.

Yes, our panel of lenders are willing to accept bad credit and poor credit histories — and we will connect your loan enquiry with the lender who is most likely to approve you.

Our partners understand that not everyone can have a perfect credit score and there are always things in life that can make keeping up with finances difficult. Pheabs and its partners are always happy to give the benefit of the doubt and assuming that you are living in the US and have a stable and steady income, you are certainly eligible for a payday loan.

Yes, if you need money on the same day, Pheabs can help. Our online submission form allows you to complete all your details in less than 5 minutes and receive an instant decision on the screen. Subject to further checks (which may include a quick phone call from the lender), successful candidates can usually receive money to their bank account within a few hours, the same day or the next business day.

To get a fast payday loan in Florida, make sure that you give the most accurate information possible (including your work, home address and income) and be available to respond to the chosen lender by email or phone — and you can have your money in no-time.

Can I Get a Guaranteed Payday Loan?

How Does a Credit Score Work?

How To Get Cash Fast

What Happens If I Cannot Repay My Payday Loan?

Which States Are Payday Loans Legalized in?

  • Cash advances
  • Fast Loans
  • Installment loans
  • Loan Companies in Florida
  • Money Loans
  • Payday Apps
  • Payday Stores

Our Address:

515 E Las Olas Boulevard
Suite 120
Fort Lauderdale
FL 33301


You can borrow $100 to $35,000 using a payday loan in Florida from Pheabs. Loans are repaid over 3 to 60 months in equal monthly installments on a scheduled collection date which you will get to choose.

Start by thinking how much you need to borrow and how long for. Remember that the more you borrow and longer you take out the loan for, the more interest will accrue and the more expensive the loan will be. Therefore, it is important to calculate just the right amount and not apply for too much.

The amount you can borrow will depend on your eligibility and our Florida payday lenders will take multiple factors into account including your monthly income, credit score, affordability, recent repayment history, age and location. At Pheabs, our job is to match up your application with the lender most likely to approve you and get you funds as quickly as possible.

  • Over 18 years of age
  • Based or living in Florida and the USA
  • US citizen
  • Employed and earning a monthly wage (at least $800 per month)
  • Have a live checking account
  • Can afford monthly repayments
  • Good, fair or bad credit scores considered

Payday loans are typically a more expensive form of borrowing, since they are fast, short-term and you are paying for convenience. It is not uncommon to pay around 400% to 500% APR for a loan, however this number is slightly embellished because the loan term may just be a few weeks or months and not based over a year.

Your loan may be cheaper if you have a good credit score, strong income and present yourself as a good candidate to lend to. If you have a poor credit history, the rates may be higher to reflect the potential risk of default.


Pheabs offers payday loans across the entire FL state — borrow $100 to $35,000 and receive funds on the same day or next business day

Our loan request process is simple to follow, and can be completed in just 5 steps. Simply click on the “Get Started” button below, fill out our form and we’ll connect you to the lender best suited to your borrowing needs from our trusted panel. 

When filling out our loan request form, we’ll ask for a few of your personal details, including your income, your expenditure and your employment status. We’ll also need to know how much you would like to borrow and how long for. Through Pheabs, you can find loans ranging from $100 to $35,000, with repayment periods lasting up to five years. 

Pheabs is a broker and connection service, meaning the funds won’t come directly from us, but rather the lender we connect you with. If approved, successful applicants could receive funds in an hour, the same day or next day. Our service is free to use and always will be — and there is no negative impact to your credit rating. So why wait any longer? Simply click on ‘Get Started’ today!

How Much Can I Borrow Through Pheabs?

Customers you can borrow from $100 to $35,000 and the amount you are eligible for will depend on factors such as your income, credit rating, repayment history and your affordability.

What Is The Eligibility Criteria?

Eligibility criteria for a Florida payday loan can include the following:

  • You must be over the age of 18.
  • You must have a steady income ($800 or above)
  • You must also be in steady employment.
  • You must be a citizen of the U.S.
Are There Any Fees Involved?

No, you won’t be charged for submitting a payday loans request with Pheabs. Our service is free to use and always will be!

How Long Can I Borrow For?

Repayments range from 3 months to 60 months (equivalent to 5 years) and loans are typically repaid in equal monthly installments. There are options to repay in a few weeks or 1 month if you need to.

Is Pheabs A Lender?

No, we are a broker. This means that Pheabs won’t provide the funds directly to your bank, but rather connect you with the lender that can from our trusted panel.

Can I Repay My Loan Early?

Yes, you have the option to repay your loan early and at any time, you will simply need to contact your lender directly. You will usually save money for early repayment, since less interest is adding up over time. Some lenders may charge a fee for early repayment, so be sure to check this.