Personal loans in Dundee, FL
Two households in Dundee with comparable incomes can still be offered different rates; the city's 6,043 residents are not the reason. Lenders active in Dundee report to a Florida supervisor, identified in the sourced rows below.
Dundee is home to roughly 6,043 people and stands 212th by size out of 411 Census places in Florida. Read the disclosure for an origination fee and any prepayment penalty before signing in Dundee. Population in Dundee climbed about 15.4% over the three years from 2020 to 2023. The next larger city is Haines City, FL about 7 miles away.
Borrowing in Dundee: the local picture
The figures below are Dundee's own — Census population, land area and coordinates — followed by the Florida rules.
- Population: about 6,043 people live here, which puts Dundee 212th of 411 Census places in Florida (Vintage 2023).
- Population trend: A rise of about 15.4% from 2020 to 2023.
- People gained or lost: about 807 more since the 2020 base.
- Size percentile: Dundee's 6,043 people outrank roughly 48% of the places in Florida.
- Land and density: 11.2 square miles of land carry roughly 541 residents per square mile.
- Land area rank: Dundee's 11.2 square miles rank 119th of 411 places in Florida.
- Water: Dundee holds about 1.35 square miles, the 100th-largest water area in Florida.
- State share: roughly 0.1% of Florida's residents live in Dundee (6,043 people).
- National rank: Dundee is 4,342nd of 19,457 places nationwide.
- Growth rank: Dundee ranks 27th among Florida's 411 places for the 2020-to-2023 change.
- Against the state trend: Dundee's 15.4% change compares with a Florida average of +5.5% across its 411 places.
- Density rank: Dundee places 314th among Florida's places by people per square mile.
- Against the state median: Dundee runs about 541 residents per square mile, where the Florida median is 1,608.
- Location: latitude 28.0173, longitude -81.6034 (Census Gazetteer).
- Nearest larger cities: Haines City (7 mi); Lake Wales (7 mi); Winter Haven (8 mi); Davenport (10 mi); Lake Alfred (11 mi). Lenders licensed in the state serve Dundee whether or not they keep a local branch.
- Smaller communities within reach: Lake Hamilton (3 mi); Eagle Lake (10 mi); Highland Park (11 mi).
- Smaller places within 50 miles: 24 of them.
- Within 100 miles: 95 places are larger than Dundee.
How lenders reach Dundee
At roughly 541 people per square mile, Dundee is moderately settled; 30 larger places lie within 50 miles. Whether Dundee has a local branch or not, a Florida-licensed lender can serve its 6,043 people online on the same terms. The nearest bigger place is Haines City, FL about 7 miles away.
What Florida law requires in Dundee
These are Florida's sourced lending facts as they reach Dundee's 6,043 residents; the state has no city-level rate rule.
| 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 |
A pre-application checklist for Dundee
For Dundee's roughly 6,043 residents, these are the steps that most influence the offer:
- Pull your credit reports first and correct any error before a lender sees the file.
- Use the loan calculator to test the payment on your intended amount and term.
- Line up several pre-qualified offers and let the APR decide.
- Look the lender up in the Florida regulator's licence records before you sign.
- Check that the monthly payment fits your budget next to your existing obligations.
- Weigh a shorter term's higher payment against the interest it saves.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
What differs between Dundee and the rest of Florida is not the process but the borrower's own file, among the 6,043 people here.
What a Dundee borrower is actually offered
In Dundee, a small town of about 6,043, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Dundee. The term you choose in Dundee decides the split between a comfortable payment and the total interest you pay.
How Dundee compares across Florida
Against Florida's other places, Dundee accounts for about 0.1% of the state's population and ranks 212th of 411 by size. On the 2020-to-2023 trend, Dundee stands 27th among Florida's 411 places — roughly the 93th percentile. At about 541 people per square mile, Dundee is the 314th most densely settled place in Florida. The population moved by about 807 people between 2020 and 2023, a 15.4% shift.
Common questions
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Nearby places
- Lake Hamilton, FL — population 1,643
- Haines City, FL — population 37,272
- Lake Wales, FL — population 16,681
- Winter Haven, FL — population 57,109
- Davenport, FL — population 15,068
- Eagle Lake, FL — population 4,169
- Highland Park, FL — population 278
- Lake Alfred, FL — population 7,355