Personal loans in Greenwood, FL
The first question in Greenwood is not the rate on offer but whether the payment fits; about 553 people live here under Florida lending law. Greenwood ranks 364th of 411 places in Florida, with a population near 553.
Greenwood gained roughly 2.6% in population across the 2020-to-2023 comparison. Rate ceilings, licensing requirements and product limits for Greenwood are all set at the Florida level. Decide the purpose of the loan and your repayment plan before sharing any details with a Greenwood lender. The next larger city is Malone, FL about 6 miles away.
Greenwood: the sourced local profile
Only a few things actually differ by place — population, area, location, and the Florida rules a lender must follow — and they are below.
- Population: a Census-estimated 553, 364th among Florida's 411 places (Vintage 2023).
- Population trend: Higher by roughly 2.6% since the 2020 count.
- People gained or lost: about 14 more since the 2020 base.
- Size percentile: about 11% of Florida communities are smaller than Greenwood (553 residents).
- Land and density: 4.6 square miles of land carry roughly 121 residents per square mile.
- By land area: Greenwood ranks 215th among Florida's 411 places, at 4.6 sq mi.
- State share: roughly 0.0% of Florida's residents live in Greenwood (553 people).
- National rank: Greenwood is 12,749th of 19,457 places nationwide.
- Growth rank: Greenwood ranks 216th among Florida's 411 places for the 2020-to-2023 change.
- State comparison: Florida's places average +5.5% for 2020-to-2023, against Greenwood's 2.6%.
- Density rank: Greenwood is the 397th most densely settled place in Florida.
- Density vs Florida: Greenwood's 121 people per square mile compare with a state median of 1,608.
- Location: coordinates 30.8727, -85.1612 (US Census Bureau Gazetteer).
- Nearest larger cities: Malone (6 mi); Marianna (10 mi); Cottondale (13 mi); Grand Ridge (14 mi); Cottonwood (15 mi). Online lenders reach Greenwood no matter how far the nearest branch is.
- Nearest smaller towns: Bascom (5 mi); Jacob City (15 mi); Campbellton (16 mi) — useful context for the surrounding area.
- Smaller places within 50 miles: 28 of them.
- Larger places within 100 miles: 119.
What is available to Greenwood borrowers
With about 121 residents per square mile, Greenwood is lightly settled, and 44 larger Census places sit within 50 miles. Distance to a branch rarely matters for Greenwood's 553 residents: the application is online and the price follows your credit file. The nearest larger city, Malone, FL about 6 miles away.
How personal loans work in Greenwood
With roughly 553 residents, Greenwood is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Greenwood lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Greenwood loan but raises total interest, so the smallest payment is not the cheapest loan.
Greenwood against the rest of Florida
Set beside Florida's 411 places, Greenwood ranks 364th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Greenwood ranks 216th of 411 in Florida (about the 47th percentile). By density, at about 121 people per square mile, it ranks 397th in Florida. In land area, Greenwood ranks 215th among Florida's 411 places.
What Florida law requires in Greenwood
When Florida does not publish a figure, the row links to the source instead of inventing a number; Greenwood is bound by the same rules.
| 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 |
Where Greenwood sits
Inside Greenwood's boundaries lie about 4.6 square miles of land, with no significant water area recorded. The resulting density is about 121 people per square mile. For the state's biggest city, Jacksonville, the distance is roughly 211 miles. Counting outward 50 miles, 44 larger communities surround Greenwood. Within the same 50 miles lie 28 smaller Census places.
Common questions
What are my options in Greenwood if my credit is poor?
What loan size can I expect in Greenwood?
Do I have to pledge anything to borrow in Greenwood?
Does comparing loans in Greenwood cost me credit score points?
Nearby places
- Bascom, FL — population 90
- Malone, FL — population 1,567
- Marianna, FL — population 7,294
- Grand Ridge, FL — population 912
- Cottondale, FL — population 868
- Cottonwood, AL — population 1,086
- Jacob City, FL — population 225
- Campbellton, FL — population 198