Fort White at a glance
- Population: roughly 648 people; 357th of 411 places in Florida (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 617 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 5.0% more residents than the 2020 Census base (US Census Bureau).
- Rank among Florida places: 357th largest of 411 (US Census Bureau).
- Size percentile: larger than about 13% of the Census places in Florida (US Census Bureau).
- Coordinates: it sits at 29.9222, -82.7126 in the US Census Bureau Gazetteer.
- Nearest larger cities: High Springs, FL (11 mi); Branford, FL (13 mi); Alachua, FL (18 mi); Lake City, FL (19 mi); Newberry, FL (20 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller places: Bell, FL (15 mi); Worthington Springs, FL (18 mi); La Crosse, FL (19 mi) (US Census Bureau estimates).
What a personal loan costs in Fort White
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the 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.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Florida lending rules that apply in Fort White
Read the table as the compliance picture for a lender serving Fort White: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Fort White
A few practical steps will make the process in Fort White less costly:
- 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.