Bunnell at a glance
- Population: 3,879 (US Census Bureau, Vintage 2023 subcounty estimate), the 241st-largest of 411 places in Florida.
- 2020 Census base: the 2020 Census recorded 3,290 residents here (US Census Bureau).
- 2020 to 2023 change: about 17.9% more residents than the 2020 Census base (US Census Bureau).
- Rank among Florida places: 241st in population of 411 places (US Census Bureau).
- Size percentile: about 41% of places in Florida are smaller (US Census Bureau).
- Coordinates: 29.4187 latitude, -81.3195 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Palm Coast, FL (9 mi); Flagler Beach, FL (12 mi); Ormond Beach, FL (16 mi); Holly Hill, FL (20 mi); Daytona Beach, FL (21 mi) (US Census Bureau).
- Nearest smaller communities: Crescent City, FL (12 mi); Beverly Beach, FL (12 mi); Pierson, FL (15 mi) (Census populations).
What a personal loan costs in Bunnell
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Florida lending rules that apply in Bunnell
The Florida rate caps and licensing rules that reach Bunnell are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Bunnell
Here is a short checklist for comparing personal loans in Bunnell:
- 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.