Personal loans in Lawtey, FL

Lenders active in Lawtey report to a Florida supervisor, identified in the sourced rows below. In Lawtey, one of 411 Census places in Florida, the figure to compare across lenders is the APR, not the advertised rate.

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.

An estimated 670 people make their home in Lawtey, a figure that ranks 355th in Florida. Census figures put the 2020-to-2023 increase in Lawtey at about 5.7%. Judge Lawtey offers on total cost, not on how quickly the money arrives. Borrowers who want a bigger city can look to Starke, FL about 7 miles away.

Local context for Lawtey

Read the local figures below as context; read the sourced Florida table as the rulebook a lender here must follow.

Lawtey's place among Florida's 411 places

Set beside Florida's 411 places, Lawtey ranks 355th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 115th of 411 Florida places, putting it near the 72th percentile for growth. At about 443 people per square mile, Lawtey is the 331st most densely settled place in Florida. By land area, its 1.5 square miles rank 318th of 411 places in Florida.

Lawtey on the map

Inside Lawtey's boundaries lie about 1.5 square miles of land, with no significant water area recorded. With 670 residents, the land area yields roughly 443 people per square mile. Jacksonville, the largest place in Florida, is about 32 miles from Lawtey. Within 50 miles of Lawtey there are 28 larger Census places. The 100-mile radius contains 107 larger places.

The Florida lending rules that reach Lawtey

For the roughly 670 residents of Lawtey, the rules below are Florida's own; each row carries its publisher and retrieval date.

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
Payday lending statusPermitted 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
Small-loan / installment lender licensingConsumer 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

The Lawtey borrowing checklist

For Lawtey's roughly 670 residents, these are the steps that most influence the offer:

  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. Line up several pre-qualified offers and let the APR decide.
  4. Make sure the lender appears in the Florida regulator's licence list.
  5. Pick the shortest term whose payment you can comfortably afford.
  6. Keep the amount to the expense; an approval is not a reason to take more.
  7. Decide the purpose and how you will repay it before approaching any lender.

None of these steps is Lawtey-specific: the same Florida licensing and disclosure rules reach all 670 residents.

What is available to Lawtey borrowers

Lawtey is a lightly settled community of about 670 people, with 28 larger places inside a 50-mile radius. Whether Lawtey has a local branch or not, a Florida-licensed lender can serve its 670 people online on the same terms. The nearest bigger place is Starke, FL about 7 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 Lawtey 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 Lawtey is the same as anywhere in Florida.
What loan size can I expect in Lawtey?
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 Lawtey?
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 Lawtey 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.

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