St. Leo at a glance
- Population: the Census estimates 2,628 residents, ranking 273rd of 411 places in Florida (Vintage 2023).
- 2020 Census base: the 2020 Census recorded 2,356 residents here (US Census Bureau).
- 2020 to 2023 change: up about 11.5% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Florida places: 273rd by size among 411 communities (US Census Bureau).
- Size percentile: larger than about 34% of the Census places in Florida (US Census Bureau).
- Coordinates: 28.3362 latitude, -82.2559 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Dade City, FL (4 mi); Zephyrhills, FL (8 mi); Brooksville, FL (15 mi); Temple Terrace, FL (22 mi); Plant City, FL (24 mi); US Census Bureau population estimates.
- Smaller places nearby: San Antonio, FL (1 mi); Webster, FL (23 mi); Center Hill, FL (25 mi), per US Census Bureau estimates.
What a personal loan costs in St. Leo
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
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 St. Leo
The Florida rate caps and licensing rules that reach St. Leo are listed below, each with its source and retrieval date.
| 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 St. Leo
The order below is a sensible way to approach a loan in St. Leo:
- 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.