Haines City at a glance
- Population: a Census-estimated 37,272, placing it 84th among Florida's 411 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 27,542 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: up about 35.3% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Florida places: the 84th-largest of 411 (US Census Bureau, 2023 estimate).
- Size percentile: about 80% of Florida's Census places are smaller (US Census Bureau).
- Coordinates: it sits at 28.1128, -81.6165 in the US Census Bureau Gazetteer.
- Nearest larger cities: Winter Haven, FL (8 mi); Kissimmee, FL (18 mi); Lakeland, FL (21 mi); St. Cloud, FL (22 mi); Clermont, FL (29 mi) — straight-line distances, US Census Bureau populations.
- Smaller towns nearby: Davenport, FL (3 mi); Lake Hamilton, FL (4 mi); Lake Alfred, FL (6 mi) (US Census Bureau).
What a personal loan costs in Haines City
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
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.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Florida lending rules that apply in Haines City
The table lists the Florida rules that apply to a loan made in Haines City, each with the regulator that published it.
| 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 Haines City
Before you commit to a personal loan in Haines City, 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.