Personal loans in Windermere, FL
The first question in Windermere is not the rate on offer but whether the payment fits; about 3,092 people live here under Florida lending law. By population, Windermere sits at 259th in Florida, with an estimated 3,092 residents.
The nearest larger city is Winter Garden, FL about 5 miles away. From the 2020 Census base to the 2023 estimate, the population rose by about 2.1%. Which products a lender may offer to Windermere's 3,092 residents follows from the Florida consumer-lending framework. Begin with the payment, then weigh APR and total interest across the lenders that reach Windermere's 3,092 residents.
Borrowing in Windermere: the local picture
Windermere is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: 3,092 residents; Windermere is the 259th-largest of 411 places in Florida (US Census Bureau, Vintage 2023).
- Population trend: A rise of about 2.1% from 2020 to 2023.
- Net change: roughly 63 more people than the 2020 Census counted.
- Size percentile: with 3,092 residents, Windermere is larger than about 37% of Florida's Census places.
- Density: the Census land area of 1.9 sq mi holds about 1,623 people per square mile.
- Land area: Windermere covers 1.9 square miles, the 304th-largest area among Florida's 411 places.
- Water: Windermere holds about 0.75 square miles, the 146th-largest water area in Florida.
- State population share: Windermere accounts for about 0.0% of everyone in Florida.
- National rank: Windermere is 6,183rd of 19,457 places nationwide.
- Growth rank: Windermere's 2020-to-2023 change ranks 239th of 411 places in Florida.
- State comparison: Florida's places average +5.5% for 2020-to-2023, against Windermere's 2.1%.
- Density rank: Windermere is the 204th most densely settled place in Florida.
- Density in context: Windermere's 1,623 people per square mile sit against a Florida median of 1,608.
- Location: the Census Gazetteer records it at 28.5016, -81.5352.
- Nearest larger cities: Winter Garden (5 mi); Ocoee (5 mi); Oakland (7 mi); Belle Isle (11 mi); Clermont (12 mi). Lenders licensed in the state serve Windermere whether or not they keep a local branch.
- Smaller places close by: Bay Lake (8 mi); Lake Buena Vista (9 mi); Edgewood (10 mi).
- Smaller places within 50 miles: 18 of them.
- At 100 miles: 118 larger Census places fall inside that radius.
The Florida lending rules that reach Windermere
These are Florida's sourced lending facts as they reach Windermere's 3,092 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 |
| Small-loan / installment lender licensing | Consumer finance loan license required (chapter 516) Source says: "A person must not engage in the business of making consumer finance loans ... unless ... the person first obtains a license from the office". | Florida Legislature (The Florida Senate, Online Sunshine) 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 |
Borrowing reach in Windermere
Windermere is moderately settled, with about 1,623 people per square mile and 52 larger places within 50 miles. Lenders licensed in Florida reach Windermere's 3,092 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Winter Garden, FL about 5 miles away.
The anatomy of a Windermere personal loan
Most loans made to Windermere's 3,092 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Windermere loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Windermere loan but raises total interest, so the smallest payment is not the cheapest loan.
How Windermere compares across Florida
Among Florida's 411 places, Windermere sits at 259th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Windermere ranks 239th of 411 in Florida (about the 42th percentile). At about 1,623 people per square mile, Windermere is the 204th most densely settled place in Florida. Between 2020 and 2023 the count changed by roughly 63 residents.
The geography behind Windermere
The Census Gazetteer records 1.9 square miles of land and 0.75 square miles of water within Windermere. Spread across it are roughly 1,623 residents per square mile. The largest place in Florida, Jacksonville, lies about 127 miles away. A 50-mile radius around Windermere takes in 52 places that are larger. Within the same 50 miles lie 18 smaller Census places.
Common questions
What are my options in Windermere if my credit is poor?
What loan size can I expect in Windermere?
Do I have to pledge anything to borrow in Windermere?
Does comparing loans in Windermere cost me credit score points?
Nearby places
- Winter Garden, FL — population 47,294
- Ocoee, FL — population 49,261
- Oakland, FL — population 3,635
- Bay Lake, FL — population 23
- Lake Buena Vista, FL — population 25
- Edgewood, FL — population 2,737
- Montverde, FL — population 1,763
- Eatonville, FL — population 2,284