Port Orange at a glance
- Population: 65,966 (US Census Bureau, Vintage 2023 subcounty estimate), the 45th-largest of 411 places in Florida.
- 2020 Census base: the 2020 count put the population at 62,619 (US Census Bureau).
- 2020 to 2023 change: up roughly 5.3% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Florida places: 45th largest of 411 (US Census Bureau).
- Size percentile: larger than about 89% of the Census places in Florida (US Census Bureau).
- Coordinates: 29.1134 / -81.0132, per the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Daytona Beach, FL (7 mi); Deltona, FL (19 mi); Palm Coast, FL (32 mi); Orlando, FL (51 mi); Kissimmee, FL (61 mi) (US Census Bureau).
- Nearest smaller towns: South Daytona, FL (4 mi); Daytona Beach Shores, FL (4 mi); Ponce Inlet, FL (5 mi) — US Census Bureau populations.
What a personal loan costs in Port Orange
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.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
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.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Florida lending rules that apply in Port Orange
The table carries the Florida rate and licensing rules that apply to consumer loans made in Port Orange.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Port Orange
Before you share your details with a lender in Port Orange:
- 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.