Moore Haven at a glance
- Population: about 1,664 residents, ranking 307th of 411 Census places in Florida (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 1,569 (US Census Bureau).
- 2020 to 2023 change: up about 6.1% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Florida places: 307th in population of 411 places (US Census Bureau).
- Size percentile: roughly 25% of places in Florida rank below it by population (US Census Bureau).
- Coordinates: 26.8338 latitude, -81.0985 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Clewiston, FL (11 mi); LaBelle, FL (23 mi); South Bay, FL (25 mi); Pahokee, FL (27 mi); Belle Glade, FL (28 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Ocean Breeze, FL (61 mi); Jupiter Island, FL (63 mi); Jupiter Inlet Colony, FL (64 mi), each a US Census place.
What a personal loan costs in Moore Haven
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
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 Moore Haven
The sourced rows below are the rules a licensed lender must follow when lending in Florida, and therefore in Moore Haven.
| 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 Moore Haven
The steps below are worth completing first when you borrow in Moore Haven:
- 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.