Lealman, FL · South · Allowed
Payday loans in Lealman
Lealman is governed by Florida's statewide lending law — cities don't set their own loan rules. Storefront payday lending is permitted in Florida. State law caps what lenders can charge — the limits below are the legal ceiling, and honest lenders stay under it.
The limits below are the legal ceiling — any offer above them is being made outside the law.
Lending storefronts in Lealman
20,740 residents · Pinellas County Median household income is $30,304 — below the Florida median of $51,132.
| Nearest storefronts | Town | Phone |
|---|---|---|
| Advance America | Pinellas Park 2 mi | (727) 548-1331 |
| Enterprise Capital Solutions | Pinellas Park 2 mi | (727) 498-4090 |
| Advance America | St. Petersburg 3 mi | (727) 522-4047 |
| FL Financial Holdings | St. Petersburg 3 mi | (727) 452-7273 |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Florida page before visiting. Spot an error? Report it.
The online route in Lealman
A parallel market lends entirely online — application, decision and funding on a website, no storefront. Lenders licensed in Florida follow the state schedule anywhere in the state, but bank-partner and tribal loans are structured outside state rate limits, and regulators dispute that model.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the Florida regulator.
The rules behind the numbers
You cannot be prosecuted in a criminal proceeding for a deferred presentment check returned for insufficient funds.
In practice: borrow $300 for a standard term and the finance charge is $35 — $335 repaid at the end, about 304% APR. Every compliant lender in Lealman has to fit inside that schedule.
Statute: Fla. Stat. § 560.401 et seq.
Regulator: Florida Office of Financial Regulation · flofr.gov
Questions people ask in Lealman
Are payday loans legal in Lealman, FL?
Yes. Storefront payday lending is permitted across Florida, and Lealman runs under the same state rules: maximum loan $500, fees capped at 10% of loan amount + $5 verification fee. A store charging above the cap is operating illegally.
How much would a $300 loan cost me in Lealman?
The same as anywhere in Florida: state law sets the schedule. On a typical $300 loan the finance charge is about $35 — $335 repaid at the end of the standard term.
Which lenders have stores in Lealman?
Our 2022-02-20 directory snapshot lists no storefront lenders in Lealman — the closest listed locations are in Pinellas Park, St. Petersburg.
Who regulates lenders in Lealman?
Complaints about a lender go to the Florida Office of Financial Regulation (flofr.gov) — keep the loan agreement and every fee disclosure you were given.