Personal loans in Montverde, FL
A personal loan in Montverde is priced from your credit file and income, not from the fact that the city holds 1,763 people. Compare APR, not the interest rate, because the APR folds in most fees on a Montverde loan.
Montverde is one of 411 Census places in Florida; its 1,763 residents put it at 300th. Rate ceilings, licensing requirements and product limits for Montverde are all set at the Florida level. The trend for Montverde between 2020 and 2023 is upward by roughly 6.5%. The closest larger place is Minneola, FL about 3 miles away.
What the Census records for Montverde
Only a few things actually differ by place — population, area, location, and the Florida rules a lender must follow — and they are below.
- Population: the Census counts 1,763 residents in Montverde (Vintage 2023 subcounty estimate), the 300th-largest figure among Florida's 411 places.
- Population trend: A gain of roughly 6.5% between 2020 and 2023.
- People gained or lost: about 107 more since the 2020 base.
- Size percentile: with 1,763 residents, Montverde is larger than about 27% of Florida's Census places.
- Land and density: 1.9 square miles of land carry roughly 952 residents per square mile.
- Land area rank: Montverde's 1.9 square miles rank 305th of 411 places in Florida.
- Water area: Montverde has 0.07 square miles of water, ranking 289th of 411 places in Florida.
- Within Florida: about 0.0% of the state's population lives in Montverde.
- National rank: Montverde is 8,090th of 19,457 places nationwide.
- Growth in Florida: Montverde stands 96th by percentage change from 2020 to 2023, among 411 places.
- State comparison: Florida's places average +5.5% for 2020-to-2023, against Montverde's 6.5%.
- Density rank: Montverde places 272nd among Florida's places by people per square mile.
- Density vs Florida: Montverde's 952 people per square mile compare with a state median of 1,608.
- Location: it lies at 28.6025, -81.6741 in the Census Gazetteer.
- Nearest larger cities: Minneola (3 mi); Oakland (4 mi); Clermont (6 mi); Winter Garden (6 mi); Astatula (8 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller communities close by: Howey-in-the-Hills (10 mi); Bay Lake (16 mi); Lake Buena Vista (18 mi), each with its own Census population profile.
- Smaller neighbours: 9 places smaller than Montverde sit within 50 miles.
- Within 100 miles: 137 places are larger than Montverde.
What to do before borrowing in Montverde
Before you hand your details to a lender in Montverde, where the population is near 1,763:
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Gather at least three pre-qualified offers and line up the APR, not the headline rate.
- Make sure the lender appears in the Florida regulator's licence list.
- Write down the purpose of the loan and your repayment plan before you apply.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
- Read the disclosure for an origination fee and any prepayment penalty before signing.
The process is identical across Florida; what changes is your credit file, not the fact that Montverde holds 1,763 people.
How lenders reach Montverde
Montverde is a moderately settled community of about 1,763 people, with 57 larger places inside a 50-mile radius. A Florida licence lets a lender serve Montverde without a local office, so branch density does not change what its 1,763 residents are offered. For a larger market, the closest option is Minneola, FL about 3 miles away.
How Montverde compares across Florida
Montverde is the 300th-largest of 411 Census places in Florida and contains about 0.0% of the state's people. For population change between 2020 and 2023, Montverde ranks 96th of 411 in Florida (about the 77th percentile). Its roughly 952 residents per square mile place it 272nd among Florida's places. By land area, its 1.9 square miles rank 305th of 411 places in Florida.
The state rulebook for Montverde
For the roughly 1,763 residents of Montverde, the rules below are Florida's own; each row carries its publisher and retrieval date.
| 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 |
Land, water and location for Montverde
The Census Gazetteer records 1.9 square miles of land and 0.07 square miles of water within Montverde. With 1,763 residents, the land area yields roughly 952 people per square mile. The largest place in Florida, Jacksonville, lies about 120 miles away. A 50-mile radius around Montverde takes in 57 places that are larger. By land area it ranks 305th of 411 Florida places.
Common questions
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Nearby places
- Minneola, FL — population 18,001
- Oakland, FL — population 3,635
- Clermont, FL — population 48,621
- Winter Garden, FL — population 47,294
- Astatula, FL — population 2,053
- Ocoee, FL — population 49,261
- Howey-in-the-Hills, FL — population 1,674
- Groveland, FL — population 23,628