Payday Loans
One scheduled payoff over a short Florida deferred-presentment term. Calculate the full dollar repayment before you request cash.
See payday loansCatapult Funding, Inc. · Tampa, Florida
Payday Loans & Cash Advance in Tampa, Florida
Compare payday loans, cash advance, installment and personal-loan options with Florida-specific rules, real dollar examples, a $100–$35,000 planning calculator and the current Catapult Funding Tampa location.
Payday and cash-advance availability, eligibility and final terms depend on the provider and applicable Florida rules.
Transparency
See the product, repayment, cost and provider role before you move to the request.
Efficiency
Use focused loan pages, calculators and a clear next step instead of repeating the same application research.
Experience
A clearer borrowing experience: compare the structure, use practical tools, then move to the right request or support route.
On this page · 10 sections
What changes by Florida law, by the provider and by your own request.
| Decision | Florida payday rules can set | The provider sets | You control |
|---|---|---|---|
| Cost | For deferred-presentment products, statutory fee/term ceilings apply. | The actual lawful price, any permitted provider-specific charges, and the exact agreement. | The amount requested and whether the repayment fits your budget. |
| Timing | Payday/deferred-presentment terms have statutory ranges. | Review timing, cutoffs, verification and the transfer method. | When you submit and how quickly you provide requested documents. |
| Eligibility | Florida payday rules include one-outstanding-transaction and 24-hour waiting rules. | Income, identity, account, credit or alternative-data criteria used for that product. | Accurate information and the smallest amount that solves the real gap. |
Florida product rules at a glance — three structures, three different sets of numbers.
| Structure | Amount / term in the cited law | Price mechanics in the cited law | Decision implication |
|---|---|---|---|
| Single-payment deferred presentment | Up to $500 excluding permitted fees; 7–31 days. | Service fee up to 10% of the amount provided, plus a permitted verification fee up to $5. | One payoff date concentrates the obligation; compare the full dollar repayment, not only the amount received. |
| Deferred-presentment installment | Up to $1,000 outstanding excluding permitted fees; 60–90 days. | Up to 8% of the outstanding balance per biweekly period, earned using simple-interest calculation. | Several short payments reduce the balance; one no-fee payment deferral is available under the statutory conditions. |
| Licensed consumer-finance loan (Ch. 516) | Chapter 516 covers the cited consumer-finance category up to $25,000. | Maximum annual interest tiers: 36% on the first $10,000; 30% on the portion above $10,000 through $20,000; 24% on the portion above $20,000 through $25,000. | This is a different statutory framework from payday/deferred-presentment lending; the written agreement and provider license determine the actual product. |
Loan payment calculator — model amounts from $100 to $35,000.
Try it here · no personal details required
Estimate a monthly payment before you apply
Example: $5,000 at 24% over 24 monthly payments is about $264.36 per month before any provider fees.
Use this estimator for installment or personal-loan style planning from $100 to $35,000. The amount, rate and term are your assumptions—not a Catapult offer. Florida Chapter 516 data shown elsewhere on this page applies only to licensed consumer-finance loans within that statute; amounts above $25,000 are displayed here only as generic planning arithmetic.
| Planning amount | Example annual rate | Term | Approx. monthly payment | Approx. total paid |
|---|---|---|---|---|
| $100 | 18% | 6 months | $17.55 | $105.32 |
| $1,000 | 18% | 12 months | $91.68 | $1,100.14 |
| $5,000 | 24% | 24 months | $264.36 | $6,344.48 |
| $10,000 | 18% | 36 months | $361.52 | $13,014.89 |
| $35,000 | 12% | 60 months | $778.56 | $46,713.22 |
What the Florida payday caps look like in actual dollars.
| Cash received | 10% service fee | Verification fee used | Example repayment | 14-day annualized fee comparison |
|---|---|---|---|---|
| $100 | $10 | $5 | $115 | 391.07% |
| $200 | $20 | $5 | $225 | 325.89% |
| $300 | $30 | $5 | $335 | 304.17% |
| $500 | $50 | $5 | $555 | 286.79% |
Term context: Florida’s cited single-payment structure runs 7–31 days. The separate deferred-presentment installment structure runs 60–90 days and uses a different declining-balance fee calculation.
These annualized figures are mathematical comparisons of the example fees over 14 days. They are not a lender’s Regulation Z disclosure and are not Catapult pricing. See the complete Florida rule table.
Catapult Funding in Tampa — map, point and contact.
Tampa business point
Catapult Funding, Inc.
100 Ashley Dr S #600
Tampa, FL 33602
Phone: (813) 400-0402
Public business listing observed September 15, 2026. Business details can change; call ahead before visiting.
Google Maps pointCatapult Funding, Inc.100 Ashley Dr S #600 · Tampa, FL 33602View exact point →
A clearer path from research to a provider decision.
1. Compare the obligation
Start with the amount, fees, due dates and what remains in your budget after repayment.
Compare loan costs2. Prepare the request
Know the documents and information that may be requested, but do not share sensitive data before the recipient and consent are clear.
Prepare documents3. Review the actual agreement
The provider named in the agreement controls its credit decision, final price, repayment schedule and funding.
See the request stagesBad credit changes the questions — not the need for exact terms.
A credit score can be one factor, but it is not the only possible factor and it never guarantees an outcome. Ask when a hard inquiry may occur, what income or account information is reviewed, what product is actually offered, and what the full repayment costs.
Use the bad-credit loan page for the underwriting questions and the repayment stress test to check whether the payment fits the same budget period.
Borrow for the gap you can repay — not simply the largest amount shown.
A loan can cover an immediate bill while creating a harder next due date. Measure the actual expense gap, compare the full payment with reliable income and essentials, and keep a buffer for ordinary surprises.
If a payment does not fit, ask the bill issuer about a payment arrangement or fee reduction and review non-loan alternatives before adding another debt. Use the expense-gap calculator and budget stress test.
Questions borrowers ask before they get started
What is the difference between a payday loan and a cash advance?
In Florida, a payday-style single-payment deferred-presentment transaction is commonly marketed as a cash advance. “Cash advance” can also describe other products, so identify the provider, agreement and repayment method.
How much can a Florida payday loan be?
Florida’s non-installment deferred-presentment structure is capped at $500 excluding permitted fees. The separate deferred-presentment installment structure can be up to $1,000 excluding permitted fees.
What fees are used in the homepage example?
The example uses Florida’s cited maximum 10% service fee for a non-installment deferred-presentment transaction plus a $5 verification fee. It is educational, not a Catapult rate or provider quote.
Does Catapult make the final credit decision?
The website provides loan information and a loan online application. The provider identified in the eventual agreement determines eligibility, final terms, approval and funding.
Where is the Tampa point?
The current public listing shows Catapult Funding, Inc. at 100 Ashley Dr S #600, Tampa, FL 33602, phone (813) 400-0402. Use the embedded map or exact Google Maps link and call ahead before visiting.
Catapult Funding · Tampa
Speak with Catapult Funding today.
Compare payday loans, cash advance, installment and personal-loan options before you submit a request. If you need the Tampa business contact, call (813) 400-0402.
Ready for the next step?
Review the repayment and provider disclosures, then continue to the application when you are ready.