Personal loans in Moore Haven, FL
State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Moore Haven's 1,664 residents.
Moore Haven is a small community of about 1,664 residents, and a personal loan taken out here is governed by Florida statute. Moore Haven is home to roughly 1,664 people and stands 307th by size out of 411 Census places in Florida. Moore Haven added about 6.1% to its population between the 2020 base and the 2023 estimate. Read the disclosure for an origination fee and any prepayment penalty before signing in Moore Haven. The closest larger city is Clewiston, FL about 11 miles away.
Borrowing in Moore Haven: the local picture
Most of what governs a Moore Haven loan is written in Florida law rather than in the city; the sourced notes below make that split concrete.
- Population: an estimated 1,664 residents, 307th of 411 places in Florida (Census Vintage 2023 subcounty estimate).
- Population trend: A rise of about 6.1% from 2020 to 2023.
- Net change: roughly 95 more people than the 2020 Census counted.
- Size percentile: Moore Haven's 1,664 people outrank roughly 25% of the places in Florida.
- Population density: about 1,562 people per square mile (Census land area 1.1 sq mi).
- By land area: Moore Haven ranks 340th among Florida's 411 places, at 1.1 sq mi.
- Share of state population: Moore Haven's 1,664 residents are about 0.0% of Florida.
- National rank: Moore Haven sits 8,328th by population among the 19,457 places in this dataset.
- Growth rank: Moore Haven ranks 101st among Florida's 411 places for the 2020-to-2023 change.
- State comparison: Florida's places average +5.5% for 2020-to-2023, against Moore Haven's 6.1%.
- Density rank: Moore Haven is the 213th most densely settled place in Florida.
- Against the state median: Moore Haven runs about 1,562 residents per square mile, where the Florida median is 1,608.
- Location: the Census Gazetteer records it at 26.8338, -81.0985.
- Nearest larger cities: Clewiston (11 mi); LaBelle (23 mi); South Bay (25 mi); Pahokee (27 mi); Belle Glade (28 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller communities within reach: Ocean Breeze (61 mi); Jupiter Island (63 mi); Jupiter Inlet Colony (64 mi).
- Smaller neighbours: 0 places smaller than Moore Haven sit within 50 miles.
- Larger places within 100 miles: 142.
How Florida law applies in Moore Haven
These are Florida's sourced lending facts as they reach Moore Haven's 1,664 residents; the state has no city-level rate rule.
| 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 |
A pre-application checklist for Moore Haven
For Moore Haven's roughly 1,664 residents, these are the steps that most influence the offer:
- Pull your credit reports first and correct any error before a lender sees the file.
- Test your amount and term in the personal loan calculator first.
- Get several pre-qualifications and compare APR side by side before choosing.
- Make sure the lender appears in the Florida regulator's licence list.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
- Read the disclosure for an origination fee and any prepayment penalty before signing.
- Make sure the new payment leaves room in a budget you already keep.
What differs between Moore Haven and the rest of Florida is not the process but the borrower's own file, among the 1,664 people here.
Moore Haven's place among Florida's 411 places
Moore Haven is the 307th-largest of 411 Census places in Florida and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 101st of 411 Florida places, putting it near the 75th percentile for growth. At about 1,562 people per square mile, Moore Haven is the 213th most densely settled place in Florida. Within 50 miles sit 0 smaller Census places, alongside the 11 that are larger.
How a Moore Haven personal loan is priced
In Moore Haven, a small community of about 1,664, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Moore Haven lender to disclose the APR and finance charge before you sign. The term you choose in Moore Haven decides the split between a comfortable payment and the total interest you pay.
What is available to Moore Haven borrowers
With about 1,562 residents per square mile, Moore Haven is moderately settled, and 11 larger Census places sit within 50 miles. Lenders licensed in Florida reach Moore Haven's 1,664 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Clewiston, FL about 11 miles away.
Common questions
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Does comparing loans in Moore Haven cost me credit score points?
Nearby places
- Clewiston, FL — population 7,238
- LaBelle, FL — population 5,222
- South Bay, FL — population 4,861
- Pahokee, FL — population 5,553
- Belle Glade, FL — population 16,840
- Okeechobee, FL — population 5,602
- Lake Placid, FL — population 2,514
- Indiantown, FL — population 6,755