Personal loans in Venice, FL
A lender serving Venice holds a Florida licence and answers to a Florida regulator; no city office is involved for its 28,150 residents. Venice is one of 411 Census places in Florida; its 28,150 residents put it at 98th.
The 2020 count to the 2023 estimate shows about 10.5% growth in Venice. Begin with the payment, then weigh APR and total interest across the lenders that reach Venice's 28,150 residents. The next larger city is North Port, FL about 14 miles away. For the 28,150 people in Venice, Florida runs its own consumer-lending licensing, and the sourced table below lists the figures that apply.
Venice: population, trend and location
Here is the sourced Census picture for Venice, plus the Florida lending rules that apply to a loan taken out here.
- Population: a Census-estimated 28,150, 98th among Florida's 411 places (Vintage 2023).
- Population trend: A rise of about 10.5% from 2020 to 2023.
- Change in people: the 2020-to-2023 comparison is a gain of about 2,685 residents.
- Size percentile: Venice's 28,150 people outrank roughly 76% of the places in Florida.
- Population density: about 1,731 people per square mile (Census land area 16.3 sq mi).
- Land area rank: Venice's 16.3 square miles rank 76th of 411 places in Florida.
- Water area: Venice has 1.65 square miles of water, ranking 85th of 411 places in Florida.
- Share of Florida: Venice holds about 0.2% of the state's population, some 28,150 people.
- National standing: Venice ranks 1,388th of 19,457 US places.
- Growth in Florida: Venice stands 53rd by percentage change from 2020 to 2023, among 411 places.
- Against the state trend: Venice's 10.5% change compares with a Florida average of +5.5% across its 411 places.
- Density in Florida: Venice ranks 191st by people per square mile.
- Against the state median: Venice runs about 1,731 residents per square mile, where the Florida median is 1,608.
- Location: coordinates 27.1170, -82.4152 (US Census Bureau Gazetteer).
- Nearest larger cities: North Port (14 mi); Sarasota (17 mi); Bradenton (28 mi); Cape Coral (42 mi); St. Petersburg (47 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Nearest smaller towns: Longboat Key (24 mi); Punta Gorda (26 mi); Bradenton Beach (29 mi).
- Smaller neighbours: 14 places smaller than Venice sit within 50 miles.
- At 100 miles: 17 larger Census places fall inside that radius.
What is available to Venice borrowers
Venice is moderately settled, with about 1,731 people per square mile and 6 larger places within 50 miles. Whether Venice has a local branch or not, a Florida-licensed lender can serve its 28,150 people online on the same terms. The nearest bigger place is North Port, FL about 14 miles away.
Inside a Venice personal loan
A Venice personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 28,150 residents. A lender serving Venice's 28,150 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Venice loan but raises total interest, so the smallest payment is not the cheapest loan.
The state rulebook for Venice
Florida has no separate rate rule for Venice; the sourced rows below are what reach every lender that serves its 28,150 people.
| 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 |
A practical checklist for Venice borrowers
Before you hand your details to a lender in Venice, where the population is near 28,150:
- 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.
- Confirm the Florida licence with the regulator named above before committing.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
- Look for an origination fee or prepayment penalty in the written disclosure.
- Test the payment against your current bills before you commit.
None of these steps is Venice-specific: the same Florida licensing and disclosure rules reach all 28,150 residents.
Venice: area, density and distance
Venice's land area is about 16.3 square miles; a further 1.65 square miles is water. With 28,150 residents, the land area yields roughly 1,731 people per square mile. Jacksonville, the largest place in Florida, is about 227 miles from Venice. A 50-mile radius around Venice takes in 6 places that are larger. Within the same 50 miles lie 14 smaller Census places.
Common questions
What are my options in Venice if my credit is poor?
What loan size can I expect in Venice?
Do I have to pledge anything to borrow in Venice?
Does comparing loans in Venice cost me credit score points?
Nearby places
- North Port, FL — population 88,934
- Sarasota, FL — population 57,602
- Longboat Key, FL — population 7,488
- Bradenton, FL — population 57,076
- Punta Gorda, FL — population 20,227
- Palmetto, FL — population 13,577
- Bradenton Beach, FL — population 916
- Holmes Beach, FL — population 3,027