Personal loans in Seminole, FL
State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Seminole's 19,252 residents. The roughly 19,252 people who live in Seminole borrow under Florida rules; city hall sets no personal-loan rate.
With 19,252 residents, Seminole outranks about 70% of the communities in Florida. Seminole lost roughly 0.8% of its population across the 2020-to-2023 comparison. Rate-shopping from Seminole costs nothing at pre-qualification, where a soft pull leaves your credit file alone. The next larger city is Largo, FL about 5 miles away.
Seminole: population, trend and location
Seminole is a small town; the notes below cover its population profile and the statewide rules that apply.
- Population: about 19,252, ranked 124th of 411 places in Florida (Census Vintage 2023 subcounty estimate).
- Population trend: Lower by roughly 0.8% since the 2020 count.
- Change in people: the 2020-to-2023 comparison is a loss of about 153 residents.
- Size percentile: Seminole sits ahead of around 70% of Florida places, at 19,252 people.
- Population density: 3,711 people per square mile on 5.2 square miles of land.
- Land area rank: Seminole's 5.2 square miles rank 197th of 411 places in Florida.
- Water area rank: Seminole ranks 175th among Florida's 411 places, with 0.50 sq mi.
- State population share: Seminole accounts for about 0.2% of everyone in Florida.
- National rank: Seminole sits 1,951st by population among the 19,457 places in this dataset.
- Growth rank: Seminole's 2020-to-2023 change ranks 351st of 411 places in Florida.
- Versus Florida: the state average change is +5.5%, while Seminole moved 0.8%.
- Density rank: Seminole is the 94th most densely settled place in Florida.
- Against the state median: Seminole runs about 3,711 residents per square mile, where the Florida median is 1,608.
- Location: coordinates 27.8427, -82.7853 (US Census Bureau Gazetteer).
- Nearest larger cities: Largo (5 mi); Pinellas Park (5 mi); Clearwater (9 mi); St. Petersburg (10 mi); Dunedin (14 mi). Living near a larger metro rarely changes what is available in Seminole.
- Nearest smaller towns: North Redington Beach (3 mi); Redington Beach (3 mi); Redington Shores (3 mi) — useful context for the surrounding area.
- Smaller neighbours: 27 places smaller than Seminole sit within 50 miles.
- Within 100 miles: 32 places are larger than Seminole.
What shapes a Seminole personal loan
A Seminole personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 19,252 residents. Federal Truth in Lending rules require a Seminole lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Seminole loan but raises total interest, so the smallest payment is not the cheapest loan.
Where Seminole sits in Florida
Seminole is the 124th-largest of 411 Census places in Florida and contains about 0.2% of the state's people. On the 2020-to-2023 trend, Seminole stands 351st among Florida's 411 places — roughly the 15th percentile. At about 3,711 people per square mile, Seminole is the 94th most densely settled place in Florida. In land area, Seminole ranks 197th among Florida's 411 places.
How Florida law applies in Seminole
When Florida does not publish a figure, the row links to the source instead of inventing a number; Seminole 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 |
| 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 Seminole
The Census Gazetteer records 5.2 square miles of land and 0.50 square miles of water within Seminole. The resulting density is about 3,711 people per square mile. The state's population centre of gravity, Jacksonville, is roughly 185 miles away. A 50-mile radius around Seminole takes in 12 places that are larger. By land area it ranks 197th of 411 Florida places.
How lenders reach Seminole
Seminole is a fairly dense community of about 19,252 people, with 12 larger places inside a 50-mile radius. Whether Seminole has a local branch or not, a Florida-licensed lender can serve its 19,252 people online on the same terms. The nearest larger city, Largo, FL about 5 miles away.
Common questions
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Nearby places
- Redington Beach, FL — population 1,373
- North Redington Beach, FL — population 1,469
- Madeira Beach, FL — population 3,999
- Redington Shores, FL — population 2,164
- Indian Shores, FL — population 1,192
- Largo, FL — population 82,248
- Kenneth City, FL — population 4,975
- Pinellas Park, FL — population 53,456