Personal loans in Callaway, FL
Roughly 13,661 residents live in Callaway, the 149th-largest community in Florida. A personal loan in Callaway is priced from your credit file and income, not from the fact that the city holds 13,661 people.
The trend for Callaway between 2020 and 2023 is upward by roughly 4.7%. Judge Callaway offers on total cost, not on how quickly the money arrives. Which products a lender may offer to Callaway's 13,661 residents follows from the Florida consumer-lending framework. The nearest larger metro is Panama City, FL about 8 miles away.
The Callaway data picture
Read the local figures below as context; read the sourced Florida table as the rulebook a lender here must follow.
- Population: an estimated 13,661 residents, 149th of 411 places in Florida (Census Vintage 2023 subcounty estimate).
- Population trend: About 4.7% above the 2020 Census base.
- Absolute change: 611 residents added between 2020 and 2023.
- Size percentile: with 13,661 residents, Callaway is larger than about 64% of Florida's Census places.
- Land and density: 9.4 square miles of land carry roughly 1,452 residents per square mile.
- By land area: Callaway ranks 132nd among Florida's 411 places, at 9.4 sq mi.
- Water area: Callaway has 0.12 square miles of water, ranking 261st of 411 places in Florida.
- Share of Florida: Callaway holds about 0.1% of the state's population, some 13,661 people.
- National rank: Callaway sits 2,526th by population among the 19,457 places in this dataset.
- Growth in Florida: Callaway stands 144th by percentage change from 2020 to 2023, among 411 places.
- State comparison: Florida's places average +5.5% for 2020-to-2023, against Callaway's 4.7%.
- Density rank: Callaway is the 224th most densely settled place in Florida.
- Density in context: Callaway's 1,452 people per square mile sit against a Florida median of 1,608.
- Location: mapped by the US Census Bureau at 30.1304, -85.5486.
- Nearest larger cities: Panama City (8 mi); Lynn Haven (9 mi); Panama City Beach (21 mi); Destin (58 mi); Niceville (62 mi). A branch is convenient; it is not what sets your APR.
- Nearest smaller places: Parker (3 mi); Springfield (4 mi); Mexico Beach (15 mi).
- Smaller places within 50 miles: 21 of them.
- At 100 miles: 12 larger Census places fall inside that radius.
Callaway against the rest of Florida
Among Florida's 411 places, Callaway sits at 149th for population, a share of roughly 0.1% of the state. On the 2020-to-2023 trend, Callaway stands 144th among Florida's 411 places — roughly the 65th percentile. By density, at about 1,452 people per square mile, it ranks 224th in Florida. By land area, its 9.4 square miles rank 132nd of 411 places in Florida.
Callaway on the map
The Census Gazetteer records 9.4 square miles of land and 0.12 square miles of water within Callaway. The resulting density is about 1,452 people per square mile. Jacksonville, the largest place in Florida, is about 232 miles from Callaway. Within 50 miles of Callaway there are 3 larger Census places. By land area it ranks 132nd of 411 Florida places.
Getting a loan in Callaway
Callaway is a moderately settled community of about 13,661 people, with 3 larger places inside a 50-mile radius. Distance to a branch rarely matters for Callaway's 13,661 residents: the application is online and the price follows your credit file. The nearest larger city, Panama City, FL about 8 miles away.
How Florida law applies in Callaway
For the roughly 13,661 residents of Callaway, the rules below are Florida's own; each row carries its publisher and retrieval date.
| 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 |
How personal loans work in Callaway
A Callaway personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 13,661 residents. Because pricing is borrower-level, two people in Callaway can be quoted different APRs on the same amount and term. Shortening the term on a Callaway loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Common questions
What are my options in Callaway if my credit is poor?
What loan size can I expect in Callaway?
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Does comparing loans in Callaway cost me credit score points?
Nearby places
- Parker, FL — population 4,631
- Springfield, FL — population 8,255
- Panama City, FL — population 35,660
- Lynn Haven, FL — population 20,501
- Mexico Beach, FL — population 1,122
- Panama City Beach, FL — population 19,393
- Wewahitchka, FL — population 2,179
- Port St. Joe, FL — population 3,775