Avon Park at a glance
- Population: roughly 10,219 people; 170th of 411 places in Florida (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 9,656 (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 5.8% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Florida places: 170th in population of 411 places (US Census Bureau).
- Size percentile: it exceeds roughly 59% of Florida's Census places by population (US Census Bureau).
- Coordinates: mapped at 27.5897, -81.5073 by the US Census Bureau Gazetteer.
- Nearest larger cities: Sebring, FL (9 mi); Lake Wales, FL (24 mi); Bartow, FL (28 mi); Winter Haven, FL (34 mi); Haines City, FL (37 mi); US Census Bureau population estimates.
- Nearest smaller communities: Frostproof, FL (11 mi); Hillcrest Heights, FL (16 mi); Zolfo Springs, FL (18 mi) (Census populations).
What a personal loan costs in Avon Park
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Florida lending rules that apply in Avon Park
Read the table as the compliance picture for a lender serving Avon Park: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| Small-loan / installment lender licensing | Consumer finance loan license required (chapter 516) Source says: "A person must not engage in the business of making consumer finance loans ... unless ... the person first obtains a license from the office". | Florida Legislature (The Florida Senate, Online Sunshine) as of 2026-09-16 |
| State lending regulator | Florida Office of Financial Regulation (OFR) Source says: "The Office of Financial Regulation is a state-government agency created by the Governor and Cabinet to provide regulatory oversight for Florida's financial services industry". | Florida Office of Financial Regulation as of 2026-09-16 |
| Deferred presentment fee cap | 10% of the amount provided (transactions not repayable in installments) Source says: "A deferred presentment provider or its affiliate may not charge fees that exceed 10 percent of the currency or payment instrument provided". | Florida Legislature (The Florida Senate, Online Sunshine) as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 18% per annum simple interest (loans/advances of $500,000 or less; loans above $500,000 are exempt from this cap) Source says: "it shall be usury and unlawful ... to ... charge ... a rate of interest greater than the equivalent of 18 percent per annum simple interest". | Florida Legislature (The Florida Senate, Online Sunshine) as of 2026-09-16 |
| Payday lending status | Permitted under license (deferred presentment providers; money services business license under chapter 560) Source says: "Businesses intending to engage in deferred presentment transactions must be licensed as a money services business under chapter 560, Florida Statutes". | Florida Office of Financial Regulation as of 2026-09-16 |
How to compare offers in Avon Park
Before you commit to a personal loan in Avon Park, work through these steps:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Florida using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.