Personal loans in Kissimmee, FL
Kissimmee is a mid-sized city in Florida, with an estimated 81,269 residents, and every licensed lender here follows the same state rulebook.
Kissimmee is home to roughly 81,269 people and stands 35th by size out of 411 Census places in Florida. Kissimmee added about 2.6% to its population between the 2020 base and the 2023 estimate. A lender that serves Kissimmee operates under Florida lending statutes and a Florida supervisor. Use the calculator on this page to price an amount and term before you commit in Kissimmee. The closest larger city is Orlando, FL about 12 miles away.
Kissimmee by the numbers
Two layers matter for a Kissimmee borrower: the local population picture and Florida's consumer-lending statutes.
- Population: about 81,269, ranked 35th of 411 places in Florida (Census Vintage 2023 subcounty estimate).
- Population trend: Roughly 2.6% more residents than the 2020 Census counted.
- Change in people: the 2020-to-2023 comparison is a gain of about 2,040 residents.
- Size percentile: roughly 91% of Florida places rank below Kissimmee.
- Density: the Census land area of 21.5 sq mi holds about 3,774 people per square mile.
- Land area rank: Kissimmee's 21.5 square miles rank 61st of 411 places in Florida.
- Water: Kissimmee holds about 0.70 square miles, the 153rd-largest water area in Florida.
- State share: roughly 0.7% of Florida's residents live in Kissimmee (81,269 people).
- National standing: Kissimmee ranks 435th of 19,457 US places.
- Growth in Florida: Kissimmee stands 218th by percentage change from 2020 to 2023, among 411 places.
- State comparison: Florida's places average +5.5% for 2020-to-2023, against Kissimmee's 2.6%.
- Density rank: Kissimmee is the 91st most densely settled place in Florida.
- Against the state median: Kissimmee runs about 3,774 residents per square mile, where the Florida median is 1,608.
- Location: 28.3028, -81.4178 (Census Gazetteer coordinates).
- Nearest larger cities: Orlando (12 mi); Lakeland (37 mi); Deltona (43 mi); Melbourne (48 mi); Palm Bay (52 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Nearest smaller towns: Lake Buena Vista (8 mi); St. Cloud (9 mi); Bay Lake (11 mi) — useful context for the surrounding area.
- Within a 50-mile radius: 68 smaller Census places.
- Larger places within 100 miles: 13.
What is available to Kissimmee borrowers
Kissimmee is fairly dense, with about 3,774 people per square mile and 4 larger places within 50 miles. Lenders licensed in Florida reach Kissimmee's 81,269 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Orlando, FL about 12 miles away.
Which Florida laws govern a loan in Kissimmee
Every row below records a Florida rule, its publisher and its retrieval date — the same rules a Kissimmee lender must follow.
| 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 |
| 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 |
| 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 |
The geography behind Kissimmee
Kissimmee covers about 21.5 square miles of land, with 0.70 square miles of water inside its boundaries (Census Gazetteer). That land carries about 3,774 people per square mile. For the state's biggest city, Jacksonville, the distance is roughly 141 miles. Kissimmee has 4 larger places within a 50-mile radius. The 100-mile radius contains 13 larger places.
The Kissimmee borrowing checklist
A sensible order of operations for a loan in Kissimmee, home to about 81,269 people:
- Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
- Test your amount and term in the personal loan calculator first.
- Gather at least three pre-qualified offers and line up the APR, not the headline rate.
- Look the lender up in the Florida regulator's licence records before you sign.
- Be clear on what the loan is for and how it gets repaid.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
- Check the disclosure for fees that raise the true cost above the quoted rate.
In Kissimmee as elsewhere in Florida, the written terms — not the advertisement — are what count for its 81,269 residents.
Kissimmee in state context
Set beside Florida's 411 places, Kissimmee ranks 35th by population and holds about 0.7% of the state total. On the 2020-to-2023 trend, Kissimmee stands 218th among Florida's 411 places — roughly the 47th percentile. At about 3,774 people per square mile, Kissimmee is the 91st most densely settled place in Florida. In land area, Kissimmee ranks 61st among Florida's 411 places.
Common questions
What are my options in Kissimmee if my credit is poor?
What loan size can I expect in Kissimmee?
Do I have to pledge anything to borrow in Kissimmee?
Does comparing loans in Kissimmee cost me credit score points?
Nearby places
- Lake Buena Vista, FL — population 25
- St. Cloud, FL — population 66,448
- Belle Isle, FL — population 7,171
- Bay Lake, FL — population 23
- Edgewood, FL — population 2,737
- Orlando, FL — population 320,742
- Windermere, FL — population 3,092
- Davenport, FL — population 15,068