Orange City at a glance
- Population: about 14,928, 144th by size in Florida of 411 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 12,631 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: population rose about 18.2% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Florida places: 144th of the state's 411 Census places (US Census Bureau).
- Size percentile: it exceeds roughly 65% of Florida's Census places by population (US Census Bureau).
- Coordinates: mapped at 28.9373, -81.2833 by the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: DeBary, FL (5 mi); Deltona, FL (5 mi); DeLand, FL (6 mi); Sanford, FL (10 mi); Lake Mary, FL (13 mi) (US Census Bureau).
- Nearest smaller places: Lake Helen, FL (5 mi); Umatilla, FL (23 mi); South Daytona, FL (23 mi) (US Census Bureau estimates).
What a personal loan costs in Orange City
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total 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.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Florida lending rules that apply in Orange City
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Orange City
Here is a short checklist for comparing personal loans in Orange City:
- 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.