Interlachen at a glance
- Population: about 1,482, 316th by size in Florida of 411 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 1,424 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: up roughly 4.1% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Florida places: 316th by size among 411 communities (US Census Bureau).
- Size percentile: roughly 23% of Florida's places have fewer residents (US Census Bureau).
- Coordinates: latitude 29.6223, longitude -81.8947 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Hawthorne, FL (12 mi); Palatka, FL (13 mi); Keystone Heights, FL (14 mi); Starke, FL (26 mi); Crescent City, FL (26 mi) (US Census Bureau populations).
- Nearest smaller communities: Welaka, FL (17 mi); Waldo, FL (20 mi); Pomona Park, FL (20 mi), each a US Census place.
What a personal loan costs in Interlachen
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Florida lending rules that apply in Interlachen
The table carries the Florida rate and licensing rules that apply to consumer loans made in Interlachen.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Interlachen
A few practical steps will make the process in Interlachen 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.