Personal loans in Caryville, FL
The first question in Caryville is not the rate on offer but whether the payment fits; about 315 people live here under Florida lending law. Roughly 315 residents live in Caryville, the 389th-largest community in Florida.
Caryville gained roughly 2.9% in population across the 2020-to-2023 comparison. Read the disclosure for an origination fee and any prepayment penalty before signing in Caryville. The nearest larger metro is Bonifay, FL about 7 miles away. A lender that serves Caryville operates under Florida lending statutes and a Florida supervisor.
Caryville: the sourced local profile
Caryville is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: the Census counts 315 residents in Caryville (Vintage 2023 subcounty estimate), the 389th-largest figure among Florida's 411 places.
- Population trend: About 2.9% above the 2020 Census base.
- People gained or lost: about 9 more since the 2020 base.
- Size percentile: with 315 residents, Caryville is larger than about 5% of Florida's Census places.
- Density: the Census land area of 3.0 sq mi holds about 105 people per square mile.
- Land area: Caryville covers 3.0 square miles, the 261st-largest area among Florida's 411 places.
- Water area rank: Caryville ranks 259th among Florida's 411 places, with 0.13 sq mi.
- Within Florida: about 0.0% of the state's population lives in Caryville.
- National rank: Caryville is the 14,943rd most populous of the 19,457 Census places covered here.
- Growth rank: Caryville's 2020-to-2023 change ranks 194th of 411 places in Florida.
- Against the state trend: Caryville's 2.9% change compares with a Florida average of +5.5% across its 411 places.
- Density rank: Caryville is the 398th most densely settled place in Florida.
- Against the state median: Caryville runs about 105 residents per square mile, where the Florida median is 1,608.
- Location: mapped by the US Census Bureau at 30.7752, -85.8119.
- Nearest larger cities: Bonifay (7 mi); Ponce de Leon (8 mi); Vernon (13 mi); Chipley (16 mi); Wausau (17 mi). Online lenders reach Caryville no matter how far the nearest branch is.
- Smaller communities close by: Westville (2 mi); Black (17 mi); Noma (18 mi), each with its own Census population profile.
- Within a 50-mile radius: 13 smaller Census places.
- Within 100 miles: 128 places are larger than Caryville.
How a Caryville personal loan is priced
In Caryville, a small community of about 315, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Caryville can be quoted different APRs on the same amount and term. The term you choose in Caryville decides the split between a comfortable payment and the total interest you pay.
The state rulebook for Caryville
The rows below set out what a licensed lender must follow in Florida, and so for Caryville's roughly 315 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 |
| 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 Caryville compares across Florida
Within Florida, Caryville holds roughly 0.0% of all residents, the 389th-largest share among 411 places. On the 2020-to-2023 trend, Caryville stands 194th among Florida's 411 places — roughly the 53th percentile. Its roughly 105 residents per square mile place it 398th among Florida's places. The population moved by about 9 people between 2020 and 2023, a 2.9% shift.
How lenders reach Caryville
Caryville is a lightly settled community of about 315 people, with 60 larger places inside a 50-mile radius. Distance to a branch rarely matters for Caryville's 315 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Bonifay, FL about 7 miles away.
Land, water and location for Caryville
The Census Gazetteer records 3.0 square miles of land and 0.13 square miles of water within Caryville. That land carries about 105 people per square mile. For the state's biggest city, Jacksonville, the distance is roughly 249 miles. Within 50 miles of Caryville there are 60 larger Census places. By land area it ranks 261st of 411 Florida places.
Common questions
What are my options in Caryville if my credit is poor?
What loan size can I expect in Caryville?
Do I have to pledge anything to borrow in Caryville?
Does comparing loans in Caryville cost me credit score points?
Nearby places
- Westville, FL — population 270
- Bonifay, FL — population 2,825
- Ponce de Leon, FL — population 518
- Vernon, FL — population 745
- Black, AL — population 233
- Wausau, FL — population 386
- Esto, FL — population 351
- Chipley, FL — population 3,718