Personal loans in Florida, OH
Which products a lender may offer to Florida's 213 residents follows from the Ohio consumer-lending framework. A lender serving Florida holds a Ohio licence and answers to a Ohio regulator; no city office is involved for its 213 residents.
Florida ranks 819th of 924 places in Ohio, with a population near 213. From the 2020 Census base to the 2023 estimate, the population declined by about 1.8%. Rate-shopping from Florida costs nothing at pre-qualification, where a soft pull leaves your credit file alone. The next larger city is Holgate, OH about 6 miles away.
Where Florida stands
Read the local figures below as context; read the sourced Ohio table as the rulebook a lender here must follow.
- Population: 213 residents; Florida is the 819th-largest of 924 places in Ohio (US Census Bureau, Vintage 2023).
- Population trend: A drop of about 1.8% from 2020 to 2023.
- Change in people: the 2020-to-2023 comparison is a loss of about 4 residents.
- Size percentile: Florida sits ahead of around 11% of Ohio places, at 213 people.
- Population density: about 947 people per square mile across 0.2 square miles of land (Census Gazetteer area, Vintage 2023 population).
- By land area: Florida ranks 837th among Ohio's 924 places, at 0.2 sq mi.
- State share: roughly 0.0% of Ohio's residents live in Florida (213 people).
- National rank: Florida is 16,277th of 19,457 places nationwide.
- Growth in Ohio: Florida stands 693rd by percentage change from 2020 to 2023, among 924 places.
- State comparison: Ohio's places average +0.9% for 2020-to-2023, against Florida's 1.8%.
- Density rank: Florida places 626th among Ohio's places by people per square mile.
- Against the state median: Florida runs about 947 residents per square mile, where the Ohio median is 1,289.
- Location: latitude 41.3238, longitude -84.2002 (Census Gazetteer).
- Nearest larger cities: Holgate (6 mi); Napoleon (6 mi); Malinta (9 mi); Defiance (9 mi); Hamler (11 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller communities close by: New Bavaria (8 mi); Miller City (16 mi); Belmore (18 mi), each with its own Census population profile.
- Smaller neighbours: 22 places smaller than Florida sit within 50 miles.
- Larger places within 100 miles: 513.
Lender access in Florida
With about 947 residents per square mile, Florida is moderately settled, and 148 larger Census places sit within 50 miles. Whether Florida has a local branch or not, a Ohio-licensed lender can serve its 213 people online on the same terms. The nearest bigger place is Holgate, OH about 6 miles away.
What Ohio law requires in Florida
Below are the Ohio rules that apply to a loan made in Florida, each with the regulator that issued it.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Ohio Department of Commerce, Division of Financial Institutions (Consumer Finance Section). Source says: "The Consumer Finance Section is responsible for regulating non-depository consumer lenders and related consumer finance businesses." | Ohio Department of Commerce - Division of Financial Institutions as of 2026-09-16 |
| Payday lending status | Legal for licensed short-term lenders; interest capped at 28% per annum; total fees and charges capped at 60% of the originally contracted loan amount. Source says: "(A) Interest not exceeding a rate of twenty-eight per cent per annum" (Ohio Rev. Code 1321.40); total fees/charges capped at "a total amount of fees and charges that exceeds sixty per cent of the originally contracted loan amount" (1321.403). | Ohio Laws (Ohio Revised Code - official state publication) as of 2026-09-16 |
| Small-loan / installment lender licensing | Consumer finance licenses required for non-depository lenders, including Consumer Installment Loan Act lenders, General Loan Law lenders, short-term lenders, and small loan lenders. Source says: "We issue and manage licenses for companies and individuals under multiple Ohio statutes." (page's regulated-statutes list names Consumer Installment Loan Act lenders, General Loan Law lenders, Short-term lenders, Small loan lenders). | Ohio Department of Commerce - Division of Financial Institutions as of 2026-09-16 |
Florida: area, density and distance
The Census Gazetteer records about 0.2 square miles of land within Florida, with no significant water area listed. The resulting density is about 947 people per square mile. Columbus, the largest place in Ohio, is about 112 miles from Florida. Counting outward 50 miles, 148 larger communities surround Florida. By land area it ranks 837th of 924 Ohio places.
What a Florida borrower is actually offered
A Florida personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 213 residents. Two numbers drive a Florida loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Florida loan but raises total interest, so the smallest payment is not the cheapest loan.
Florida in state context
Florida is the 819th-largest of 924 Census places in Ohio and contains about 0.0% of the state's people. For population change between 2020 and 2023, Florida ranks 693rd of 924 in Ohio (about the 25th percentile). At about 947 people per square mile, Florida is the 626th most densely settled place in Ohio. In land area, Florida ranks 837th among Ohio's 924 places.
Common questions
What are my options in Florida if my credit is poor?
What loan size can I expect in Florida?
Do I have to pledge anything to borrow in Florida?
Does comparing loans in Florida cost me credit score points?
Nearby places
- Holgate, OH — population 1,043
- Napoleon, OH — population 8,750
- New Bavaria, OH — population 86
- Malinta, OH — population 228
- Defiance, OH — population 17,043
- Hamler, OH — population 604
- Archbold, OH — population 4,447
- Liberty Center, OH — population 1,097