New Port Richey at a glance
- Population: roughly 17,708 people; 130th of 411 places in Florida (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 16,698 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: up about 6.0% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Florida places: 130th by size among 411 communities (US Census Bureau).
- Size percentile: it exceeds roughly 68% of Florida's Census places by population (US Census Bureau).
- Coordinates: 28.2466, -82.7175 (US Census Bureau Gazetteer).
- Nearest larger cities: Tarpon Springs, FL (8 mi); Dunedin, FL (15 mi); Clearwater, FL (19 mi); Largo, FL (24 mi); Tampa, FL (24 mi) (Census populations, approximate straight-line distance).
- Smaller towns nearby: Port Richey, FL (2 mi); Oldsmar, FL (14 mi); Safety Harbor, FL (17 mi) (US Census Bureau).
What a personal loan costs in New Port Richey
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
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.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Florida lending rules that apply in New Port Richey
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 New Port Richey
A few practical steps will make the process in New Port Richey 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.