Personal loans in Bunnell, FL

State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Bunnell's 3,879 residents. Bunnell is home to roughly 3,879 people and stands 241st by size out of 411 Census places in Florida.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

The roughly 3,879 people who live in Bunnell borrow under Florida rules; city hall sets no personal-loan rate. Census figures put the 2020-to-2023 increase in Bunnell at about 17.9%. Price two or three terms so you can see which payment is truly affordable in Bunnell. Borrowers who want a bigger city can look to Palm Coast, FL about 9 miles away.

The Bunnell data picture

Two layers matter for a Bunnell borrower: the local population picture and Florida's consumer-lending statutes.

How a Bunnell personal loan is priced

Bunnell is a small community of about 3,879 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Bunnell loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Bunnell loan is knowable in advance — unlike a revolving card balance.

Bunnell against the rest of Florida

Among Florida's 411 places, Bunnell sits at 241st for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Bunnell ranks 22nd of 411 in Florida (about the 95th percentile). At about 28 people per square mile, Bunnell is the 408th most densely settled place in Florida. The population moved by about 589 people between 2020 and 2023, a 17.9% shift.

Land, water and location for Bunnell

Inside Bunnell's boundaries lie roughly 136.3 square miles of land and 0.06 square miles of water. The resulting density is about 28 people per square mile. The largest place in Florida, Jacksonville, lies about 67 miles away. Counting outward 50 miles, 24 larger communities surround Bunnell. By land area it ranks 2nd of 411 Florida places.

What to do before borrowing in Bunnell

For Bunnell's roughly 3,879 residents, these are the steps that most influence the offer:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Verify the lender's Florida licence with the regulator listed on this page.
  5. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
  6. Check the disclosure for fees that raise the true cost above the quoted rate.
  7. Make sure the new payment leaves room in a budget you already keep.

What differs between Bunnell and the rest of Florida is not the process but the borrower's own file, among the 3,879 people here.

Florida consumer-lending rules applied in Bunnell

Every row below records a Florida rule, its publisher and its retrieval date — the same rules a Bunnell lender must follow.

RuleDetailSource
State lending regulatorFlorida 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 cap10% 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
Compare personal loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Bunnell if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Bunnell is the same as anywhere in Florida.
What loan size can I expect in Bunnell?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Bunnell?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Bunnell cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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