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.

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.

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.

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.

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
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 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

A practical checklist for Venice borrowers

Before you hand your details to a lender in Venice, where the population is near 28,150:

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Test your amount and term in the personal loan calculator first.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Confirm the Florida licence with the regulator named above before committing.
  5. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
  6. Look for an origination fee or prepayment penalty in the written disclosure.
  7. 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.

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 Venice 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 Venice is the same as anywhere in Florida.
What loan size can I expect in Venice?
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 Venice?
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 Venice 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.

Nearby places

Related