DeBary at a glance
- Population: 23,209 (US Census Bureau, Vintage 2023 subcounty estimate), the 109th-largest of 411 places in Florida.
- 2020 Census base: 22,255 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: an increase of about 4.3% since the 2020 count (US Census Bureau).
- Rank among Florida places: 109th in population of 411 places (US Census Bureau).
- Size percentile: roughly 73% of places in Florida rank below it by population (US Census Bureau).
- Coordinates: mapped at 28.8814, -81.3243 by the US Census Bureau Gazetteer.
- Nearest larger cities: Sanford, FL (7 mi); Deltona, FL (7 mi); DeLand, FL (10 mi); Winter Springs, FL (14 mi); Casselberry, FL (15 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Orange City, FL (5 mi); Lake Mary, FL (8 mi); Lake Helen, FL (9 mi) (Census populations).
What a personal loan costs in DeBary
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Florida lending rules that apply in DeBary
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 DeBary
These steps are the ones that most affect the offer you receive in DeBary:
- 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.