Personal loans in Coleman, FL

In Coleman, one of 411 Census places in Florida, the figure to compare across lenders is the APR, not the advertised rate. From the 2020 Census base to the 2023 estimate, the population rose by about 18.6%.

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

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.

Coleman is home to roughly 771 people and stands 345th by size out of 411 Census places in Florida. Compare APR, not the interest rate, because the APR folds in most fees on a Coleman loan. A single loan can carry different costs on either side of a state line, and Coleman sits on the Florida side of that line. The next larger city is Wildwood, FL about 4 miles away.

Coleman: the sourced local profile

Here is the sourced Census picture for Coleman, plus the Florida lending rules that apply to a loan taken out here.

Coleman on the map

Coleman's land area is roughly 2.2 square miles, and the Gazetteer records no significant water area within it. That land carries about 344 people per square mile. Jacksonville, the largest place in Florida, is about 109 miles from Coleman. Coleman has 51 larger places within a 50-mile radius. The 100-mile radius contains 154 larger places.

The state rulebook for Coleman

When Florida does not publish a figure, the row links to the source instead of inventing a number; Coleman is bound by the same rules.

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

A pre-application checklist for Coleman

Complete these steps first when you borrow in Coleman (771 residents):

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Test your amount and term in the personal loan calculator first.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Verify the lender's Florida licence with the regulator listed on this page.
  5. Keep the amount to the expense; an approval is not a reason to take more.
  6. Write down the purpose of the loan and your repayment plan before you apply.
  7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

None of these steps is Coleman-specific: the same Florida licensing and disclosure rules reach all 771 residents.

Coleman in state context

Against Florida's other places, Coleman accounts for about 0.0% of the state's population and ranks 345th of 411 by size. Its 2020-to-2023 change ranks 17th of 411 Florida places, putting it near the 96th percentile for growth. Its roughly 344 residents per square mile place it 355th among Florida's places. Within 50 miles sit 5 smaller Census places, alongside the 51 that are larger.

Lender access in Coleman

At roughly 344 people per square mile, Coleman is lightly settled; 51 larger places lie within 50 miles. What is available to Coleman's 771 borrowers is set by Florida licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Wildwood, FL about 4 miles away.

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 Coleman 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 Coleman is the same as anywhere in Florida.
What loan size can I expect in Coleman?
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 Coleman?
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 Coleman 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.

Nearby places

Related