The stated general usury limit is the rate that can be charged by one person or corporation to another. In other words, if you lend your next door neighbor 0.00, the rate stated is the limit. If you want to charge more than the listed rate, you would need a special license such as a banking or pawnbroking license.
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Florida interest rate laws are stated in Florida Statutes, Title 55(Civil Practice and Procedure), Chapter 55(Judgments), and Title 39(Commercial Relations), Chapter 687(Interest and Usury; Lending Practices).
State Interest Rate Laws Legal interest rates can depend on the lender, borrower, loan amount, and the subject of the transaction. Choose a link from the list below for state-specific interest rate laws, including maximum rates, exceptions to interest rate limits, and more.
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Usury is purely interest rate not an equitable interest in any equity. Usury is 18% in Florida. DO NOT CALL/EMAIL US LOOKING FOR FURTHER FREE ADVICE/ANSWERS OR WITH COMMENTS ABOUT QUESTIONS/RESPONSES HERE- we simply cannot accommodate these types of calls/email on such a large scale from the dozens of responses we post daily.
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Get Legal Help Understanding Florida Interest Rate Laws. Florida’s interest rate laws are designed to protect consumers when they need loans. If you think you have been a victim of unfair lending practices or you need to know more about usury rates in Florida, you should contact an experienced banking and finance lawyer in your area.