Personal loans in Bascom, FL
Rate ceilings, licensing requirements and product limits for Bascom are all set at the Florida level. A lender serving Bascom holds a Florida licence and answers to a Florida regulator; no city office is involved for its 90 residents.
At about 90 residents, Bascom is larger than roughly 1% of the places in Florida. From the 2020 Census base to the 2023 estimate, the population rose by about 3.4%. Read the disclosure for an origination fee and any prepayment penalty before signing in Bascom. A larger market lies at Malone, FL about 3 miles away.
Bascom by the numbers
What follows is Bascom's place in the Census record, alongside the Florida rules that govern a personal loan made here.
- Population: about 90, ranked 405th of 411 places in Florida (Census Vintage 2023 subcounty estimate).
- Population trend: A gain of roughly 3.4% between 2020 and 2023.
- People gained or lost: about 3 more since the 2020 base.
- Size percentile: about 1% of Florida's Census places are smaller than Bascom.
- Density: the Census land area of 0.2 sq mi holds about 375 people per square mile.
- By land area: Bascom ranks 399th among Florida's 411 places, at 0.2 sq mi.
- Share of Florida: Bascom holds about 0.0% of the state's population, some 90 people.
- National rank: Bascom is 18,292nd of 19,457 places nationwide.
- Growth rank: Bascom ranks 170th among Florida's 411 places for the 2020-to-2023 change.
- State comparison: Florida's places average +5.5% for 2020-to-2023, against Bascom's 3.4%.
- Density in Florida: Bascom ranks 346th by people per square mile.
- Density in context: Bascom's 375 people per square mile sit against a Florida median of 1,608.
- Location: 30.9278, -85.1181 (US Census Bureau Gazetteer).
- Nearest larger cities: Malone (3 mi); Greenwood (5 mi); Jakin (14 mi); Cottonwood (14 mi); Marianna (14 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller places nearby: Blue Springs (56 mi); Petrey (90 mi); Dooling (114 mi).
- Smaller places within 50 miles: 0 of them.
- Larger places within 100 miles: 187.
How lenders reach Bascom
Bascom is lightly settled, with about 375 people per square mile and 73 larger places within 50 miles. Whether Bascom has a local branch or not, a Florida-licensed lender can serve its 90 people online on the same terms. The nearest bigger place is Malone, FL about 3 miles away.
Bascom's place among Florida's 411 places
Among Florida's 411 places, Bascom sits at 405th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Bascom stands 170th among Florida's 411 places — roughly the 59th percentile. At about 375 people per square mile, Bascom is the 346th most densely settled place in Florida. By land area, its 0.2 square miles rank 399th of 411 places in Florida.
Florida rules behind a Bascom personal loan
This table holds the Florida rate and licensing rules for consumer loans made to Bascom's 90 residents.
| 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 |
| 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 |
The Bascom borrowing checklist
These steps shape the offer you get in Bascom, a place of about 90 people:
- Pull your credit reports first and correct any error before a lender sees the file.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Line up several pre-qualified offers and let the APR decide.
- Confirm the lender holds a Florida licence by checking the regulator named above.
- Borrow only what the purpose requires, not the maximum you are offered.
- Be clear on what the loan is for and how it gets repaid.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
What differs between Bascom and the rest of Florida is not the process but the borrower's own file, among the 90 people here.
Bascom on the map
Bascom's land area is roughly 0.2 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 375 residents per square mile. The largest place in Florida, Jacksonville, lies about 210 miles away. A 50-mile radius around Bascom takes in 73 places that are larger. Within the same 50 miles lie 0 smaller Census places.
Common questions
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Nearby places
- Malone, FL — population 1,567
- Greenwood, FL — population 553
- Jakin, GA — population 128
- Marianna, FL — population 7,294
- Gordon, AL — population 297
- Cottonwood, AL — population 1,086
- Grand Ridge, FL — population 912
- Donalsonville, GA — population 2,826