Jasper at a glance
- Population: 2,762 (US Census Bureau, Vintage 2023 subcounty estimate), the 270th-largest of 411 places in Florida.
- 2020 Census base: 3,631 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: roughly 23.9% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Florida places: the 270th-largest of 411 (US Census Bureau, 2023 estimate).
- Size percentile: it is larger than about 34% of the places in Florida (US Census Bureau).
- Coordinates: mapped at 30.4559, -82.9342 by the US Census Bureau Gazetteer.
- Nearest larger cities: Live Oak, FL (11 mi); Echols County, GA (18 mi); Lake City, FL (25 mi); Madison, FL (29 mi); Valdosta, GA (34 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: White Springs, FL (14 mi); Jennings, FL (14 mi); Lake Park, GA (22 mi) — US Census Bureau populations.
What a personal loan costs in Jasper
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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.
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.
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 Jasper
Each row below is a Florida rule with its publisher and the date it was retrieved.
| 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 Jasper
Before you commit to a personal loan in Jasper, 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.